10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

  (Mark One)

þ	QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
	For the quarterly period ended March 31, 2013
	OR
¨	TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
	For the transition period from                                  to
	Commission File Number 1-9733
	(Exact name of registrant as specified in its charter)

Texas	75-2018239
(State or other jurisdiction of Incorporation or organization)	(I.R.S. Employer Identification No.)
1600 West 7th Street Fort Worth, Texas (Address of principal executive offices)	76102 (Zip Code)

(817) 335-1100

(Registrant’s telephone number, including area code)

NONE

(Former name, former address and former fiscal year, if changed since last report)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes    þ        No    ¨

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

Yes    þ        No    ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act:

    Large accelerated filer þ                Accelerated filer ¨                Non-accelerated filer ¨            Smaller reporting company ¨

                                     (Do not check if a smaller reporting company)

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes    ¨         No    þ

APPLICABLE ONLY TO CORPORATE ISSUERS:

28,533,220 of the Registrants’ common shares, $.10 par value, were issued and outstanding as of April 22, 2013.

CASH AMERICA INTERNATIONAL, INC.

INDEX TO FORM 10-Q

PART I. FINANCIAL INFORMATION
		Page
Item 1.	Financial Statements (Unaudited)
	Consolidated Balance Sheets – March 31, 2013 and 2012 and December 31, 2012	1
	Consolidated Statements of Income – Three Months Ended March 31, 2013 and 2012	2
	Consolidated Statements of Comprehensive Income – Three Months Ended March 31, 2013 and 2012	3
	Consolidated Statements of Equity – March 31, 2013 and 2012	4
	Consolidated Statements of Cash Flows – Three Months Ended March 31, 2013 and 2012	5
	Notes to Consolidated Financial Statements	6
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	22
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	43
Item 4.	Controls and Procedures	43
PART II. OTHER INFORMATION
Item 1.	Legal Proceedings	43
Item 1A.	Risk Factors	43
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	44
Item 3.	Defaults upon Senior Securities	44
Item 4.	Mine Safety Disclosures	44
Item 5.	Other Information	44
Item 6.	Exhibits	45
SIGNATURES		47

CAUTIONARY NOTE CONCERNING FACTORS THAT MAY AFFECT FUTURE RESULTS

This report contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. You should not place undue reliance on these statements. These forward-looking statements give current expectations or forecasts of future events and reflect the views and assumptions of senior management of Cash America International, Inc. (the “Company”) with respect to the business, financial condition and prospects of the Company. When used in this report, terms such as “believes,” “estimates,” “should,” “could,” “would,” “plans,” “expects,” “anticipates,” “may,” “forecast,” “project” and similar expressions or variations as they relate to the Company or its management are intended to identify forward-looking statements. Forward-looking statements address matters that involve risks and uncertainties that are beyond the ability of the Company to control and, in some cases, predict. Accordingly, there are or will be important factors that could cause the Company’s actual results to differ materially from those indicated in these statements. Key factors that could cause the Company’s actual financial results, performance or condition to differ from the expectations expressed or implied in such forward-looking statements include, but are not limited to, the following:

• changes in domestic and foreign pawn, consumer credit, tax and other laws and government rules and regulations applicable to the Company’s business, or changes in the interpretation or enforcement thereof, and the anticipated regulation of consumer financial products and services by the Consumer Financial Protection Bureau;

• public perception of the Company’s business, including its consumer loan business and its business practices;

• the deterioration of the political, regulatory or economic environment in foreign countries where the Company operates or in the future may operate;

• fluctuations, including a sustained decrease, in the price of gold or a deterioration in economic conditions;

• the effect of any current or future litigation proceedings and any judicial decisions or rule-making that affect the Company, its products or the legality or enforceability of its arbitration agreements;

• the actions of third parties who provide, acquire or offer products and services to, from or for the Company;

• the ability of the Company to maintain an allowance or liability for estimated losses on consumer loans that are adequate to absorb credit losses;

• changes in demand for the Company’s services, changes in competition and the continued acceptance of the online channel by the Company’s online consumer loan customers;

• the ability of the Company to attract and retain qualified executive officers;

• a prolonged interruption in the Company’s operations of its facilities, systems and business functions, including its information technology and other business systems;

• the ability of the Company to open new locations in accordance with plans or to successfully integrate newly acquired businesses into the Company’s operations;

• interest rate and foreign currency exchange rate fluctuations;

• changes in the capital markets, including the debt and equity markets;

• changes in the Company’s ability to satisfy its debt obligations or to refinance existing debt obligations or obtain new capital to finance growth;

• cyber attacks or security breaches;

• acts of God, war or terrorism, pandemics and other events;

• the effect of any of the above changes on the Company’s business or the markets in which the Company operates; and

• other risks and uncertainties described in this report or from time to time in the Company’s filings with the Securities and Exchange Commission (the “SEC”).

The foregoing list of factors is not exhaustive and new factors may emerge or changes to these factors may occur that would impact the Company’s business. Additional information regarding these and other factors may be contained in the Company’s filings with the SEC, especially on Forms 10-K, 10-Q and 8-K. If one or more events related to these or other risks or uncertainties materialize, or if management’s underlying assumptions prove to be incorrect, actual results may differ materially from what the Company anticipates. The Company disclaims any intention or obligation to update or revise any forward-looking statements to reflect events or circumstances occurring after the date of this report. All forward-looking statements are expressly qualified in their entirety by the foregoing cautionary statements.

PART I. FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

(dollars in thousands, except per share data)

(Unaudited)

	March 31,						December 31,
	2013			2012			2012
Assets
Current assets:
Cash and cash equivalents	$	78,361		$	63,606		$	63,134
Pawn loans		202,982			206,343			244,640
Consumer loans, net		253,801			200,365			289,418
Merchandise held for disposition, net		146,041			139,519			167,409
Pawn loan fees and service charges receivable		40,560			38,797			48,991
Income taxes receivable		15,522			—			—
Prepaid expenses and other assets		38,431			34,213			35,605
Deferred tax assets		45,771			32,312			48,992
Total current assets		821,469			715,155			898,189
Property and equipment, net		255,165			250,722			261,771
Goodwill		611,240			567,830			608,216
Intangible assets, net		35,168			33,956			36,473
Other assets		12,405			15,074			13,609
Total assets	$	1,735,447		$	1,582,737		$	1,818,258
Liabilities and Equity
Current liabilities:
Accounts payable and accrued expenses	$	115,886		$	88,472		$	126,664
Customer deposits		12,826			11,464			11,420
Income taxes currently payable		—			19,894			5,922
Current portion of long-term debt		22,606			35,939			43,617
Total current liabilities		151,318			155,769			187,623
Deferred tax liabilities		104,524			92,277			101,711
Noncurrent income tax payable		37,094			2,602			2,703
Other liabilities		1,418			1,254			888
Long-term debt		427,777			371,969			534,713
Total liabilities	$	722,131		$	623,871		$	827,638
Equity:
Cash America International, Inc. equity:
Common stock, $0.10 par value per share, 80,000,000 shares authorized, 30,235,164 shares issued and outstanding		3,024			3,024			3,024
Additional paid-in capital		155,617			164,722			157,613
Retained earnings		922,347			816,496			879,434
Accumulated other comprehensive income		4,202			3,460			3,128
Treasury shares, at cost (1,713,387 shares, 888,336 shares and 1,351,712 shares as of March 31, 2013 and 2012, and as of December 31, 2012, respectively)		(70,596	)		(33,051	)		(51,304	)
Total Cash America International, Inc. shareholders’ equity		1,014,594			954,651			991,895
Noncontrolling interest		(1,278	)		4,215			(1,275	)
Total equity		1,013,316			958,866			990,620
Total liabilities and equity	$	1,735,447		$	1,582,737		$	1,818,258

See notes to consolidated financial statements.

1

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(dollars in thousands, except per share data)

(Unaudited)

	Three Months Ended March 31,
	2013			2012
Revenue
Pawn loan fees and service charges	$	75,914		$	72,899
Proceeds from disposition of merchandise		178,717			208,383
Consumer loan fees		210,205			172,840
Other		3,292			3,366
Total Revenue		468,128			457,488
Cost of Revenue
Disposed merchandise		121,335			138,321
Consumer loan loss provision		74,852			62,383
Total Cost of Revenue		196,187			200,704
Net Revenue		271,941			256,784
Expenses
Operations and administration		176,824			170,155
Depreciation and amortization		17,531			14,621
Total Expenses		194,355			184,776
Income from Operations		77,586			72,008
Interest expense		(7,445	)		(7,176	)
Interest income		63			29
Foreign currency transaction (loss) gain		(377	)		87
Equity in loss of unconsolidated subsidiary		(111	)		(117	)
Income before Income Taxes		69,716			64,831
Provision for income taxes		25,794			24,308
Net Income		43,922			40,523
Net loss attributable to the noncontrolling interest		4			944
Net Income Attributable to Cash America International, Inc.	$	43,926		$	41,467
Earnings Per Share:
Net Income attributable to Cash America International, Inc. common shareholders:
Basic	$	1.51		$	1.40
Diluted	$	1.40		$	1.30
Weighted average common shares outstanding:
Basic		29,100			29,616
Diluted		31,371			31,912
Dividends declared per common share	$	0.035		$	0.035

See notes to consolidated financial statements.

2

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(dollars in thousands)

(Unaudited)

	Three Months Ended March 31,
	2013			2012
Net income	$	43,922		$	40,523
Other comprehensive gain, net of tax:
Unrealized derivatives gain (a)		—			12
Foreign currency translation gain(b)		434			9,615
Marketable securities unrealized gain(c)		641			750
Total other comprehensive gain, net of tax		1,075			10,377
Comprehensive income	$	44,997		$	50,900
Net loss attributable to the noncontrolling interest		4			944
Foreign currency translation gain, net of tax, attributable to the noncontrolling interest		(1	)		(21	)
Comprehensive loss attributable to the noncontrolling interest		3			923
Comprehensive income attributable to Cash America International, Inc.	$	45,000		$	51,823

^(a)  Net of tax benefit (provision) of $(6) for the three months ended March 31, 2012.

^(b)  Net of tax benefit (provision) of $1,420 and $(1,105) for the three months ended March 31, 2013 and 2012, respectively.

^(c)  Net of tax benefit (provision) of $(345) and $(403) for the three months ended March 31, 2013 and 2012, respectively.

See notes to consolidated financial statements.

3

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF EQUITY

(dollars in thousands, except per share data)

(Unaudited)

	Common Stock				Additional paid-in capital			Retained earnings			Accumulated other comprehensive income (loss)			Treasury shares, at cost						Total share- holders’ equity			Non- controlling interest			Total Equity
	Shares		Amount											Shares			Amount
Balance as of January 1, 2012		30,235,164	$	3,024	$	167,683		$	776,060		$	(6,896	)		(1,011,356	)	$	(37,419	)	$	902,452		$	5,138		$	907,590
Shares issued under stock-based plans						(5,805	)								167,765			6,304			499						499
Stock-based compensation expense						1,555															1,555						1,555
Income tax benefit from stock-based compensation						1,289															1,289						1,289
Net income attributable to Cash America International, Inc.									41,467												41,467						41,467
Dividends paid									(1,031	)											(1,031	)					(1,031	)
Unrealized derivatives gain, net of tax												12									12						12
Foreign currency translation gain, net of tax												9,594									9,594			21			9,615
Marketable securities unrealized gain, net of tax												750									750						750
Purchases of treasury shares															(44,745	)		(1,936	)		(1,936	)					(1,936	)
Loss attributable to the noncontrolling interest																					—			(944	)		(944	)
Balance as of March 31, 2012		30,235,164	$	3,024	$	164,722		$	816,496		$	3,460			(888,336	)	$	(33,051	)	$	954,651		$	4,215		$	958,866
Balance as of January 1, 2013		30,235,164	$	3,024	$	157,613		$	879,434		$	3,128			(1,351,712	)	$	(51,304	)	$	991,895		$	(1,275	)	$	990,620
Shares issued under stock-based plans						(4,077	)								106,080			4,077			—						—
Stock-based compensation expense						1,568															1,568						1,568
Income tax benefit from stock-based compensation						513															513						513
Net income attributable to Cash America International, Inc.									43,926												43,926						43,926
Dividends paid									(1,013	)											(1,013	)					(1,013	)
Foreign currency translation gain, net of tax												433									433			1			434
Marketable securities unrealized gain, net of tax												641									641						641
Purchases of treasury shares															(467,755	)		(23,369	)		(23,369	)					(23,369	)
Loss attributable to the noncontrolling interest																					—			(4	)		(4	)
Balance as of March 31, 2013		30,235,164	$	3,024	$	155,617		$	922,347		$	4,202			(1,713,387	)	$	(70,596	)	$	1,014,594		$	(1,278	)	$	1,013,316

See notes to consolidated financial statements.

4

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS

(dollars in thousands)

(Unaudited)

	Three Months Ended March 31,
	2013			2012
Cash Flows from Operating Activities
Net Income	$	43,922		$	40,523
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization expenses		17,531			14,621
Amortization of debt discount and issuance costs		1,320			929
Consumer loan loss provision		74,852			62,383
Stock-based compensation		1,568			1,555
Deferred income taxes, net		7,109			4,198
Excess income tax benefit from stock-based compensation		(513	)		(1,289	)
Other		1,762			458
Changes in operating assets and liabilities, net of assets acquired:
Merchandise other than forfeited		11,434			8,592
Pawn loan fees and service charges receivable		8,454			9,470
Finance and service charges on consumer loans		3,493			2,781
Prepaid expenses and other assets		(137	)		(1,778	)
Accounts payable and accrued expenses		(7,186	)		(16,251	)
Current and noncurrent income taxes		13,559			8,734
Other operating assets and liabilities		1,393			1,587
Net cash provided by operating activities		178,561			136,513
Cash Flows from Investing Activities
Pawn loans made		(163,016	)		(172,027	)
Pawn loans repaid		129,093			132,570
Principal recovered through dispositions of forfeited pawn loans		84,745			101,624
Consumer loans made or purchased		(469,625	)		(416,429	)
Consumer loans repaid		422,015			368,371
Acquisitions, net of cash acquired		(213	)		(4,184	)
Purchases of property and equipment		(9,462	)		(16,665	)
Other investing activities		399			—
Net cash used in investing activities		(6,064	)		(6,740	)
Cash Flows from Financing Activities
Net payments under bank lines of credit		(121,690	)		(124,726	)
Net proceeds from re-issuance of treasury shares		—			499
Payments on notes payable		(7,084	)		(5,417	)
Excess income tax benefit from stock-based compensation		513			1,289
Treasury shares purchased		(23,369	)		(1,936	)
Dividends paid		(1,013	)		(1,031	)
Net cash used in financing activities		(152,643	)		(131,322	)
Effect of exchange rates on cash		(4,627	)		2,613
Net increase in cash and cash equivalents		15,227			1,064
Cash and cash equivalents at beginning of year		63,134			62,542
Cash and cash equivalents at end of period	$	78,361		$	63,606
Supplemental Disclosures
Non-cash investing and financing activities
Pawn loans forfeited and transferred to merchandise held for disposition	$	75,809		$	88,066
Pawn loans renewed	$	65,453		$	70,823
Consumer loans renewed	$	163,760		$	159,738

See notes to consolidated financial statements.

5

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited)

1. Significant Accounting Policies

Basis of Presentation

The consolidated financial statements include all of the accounts of Cash America International, Inc. and its subsidiaries (the “Company”). All significant intercompany accounts and transactions have been eliminated in consolidation.

The financial statements as of March 31, 2013 and 2012 and for the three-month periods then ended are unaudited but, in management’s opinion, include all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for such interim periods. The year-end consolidated balance sheet data was derived from audited financial statements, but does not include all disclosures required by generally accepted accounting principles in the United States of America (“GAAP”). Operating results for the three-month period are not necessarily indicative of the results that may be expected for the full fiscal year.

These financial statements and related notes should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2012.

The Company has a contractual relationship with a third party entity, Huminal, S.A. de C.V., a Mexican sociedad anónima de capital variable (“Huminal”). One of the Company’s subsidiaries qualifies as the primary beneficiary of Huminal in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 810, Consolidation (“ASC 810”). Therefore, the results and balances of Huminal are consolidated and allocated to net income attributable to noncontrolling interests.

Adopted Accounting Standards

In February 2013, the FASB issued Accounting Standards Update (“ASU”) No. 2013-02, Comprehensive Income (Topic 220) — Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income (“ASU 2013-02”), which improves the reporting of reclassifications out of accumulated other comprehensive income. ASU 2013-02 requires an entity to report the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under GAAP to be reclassified in its entirety to net income. For other amounts that are not required under GAAP to be reclassified in their entirety from accumulated other comprehensive income to net income in the same reporting period, an entity is required to cross-reference other disclosures required under GAAP that provide additional detail about those amounts. The Company adopted ASU 2013-02 on January 1, 2013, and the adoption did not have a material effect on its financial position, results of operations or other comprehensive income. See Notes 12 and 13.

In July 2012, the FASB issued ASU No. 2012-02, Intangibles—Goodwill and Other (Topic 350): Testing Indefinite-Lived Intangible Assets for Impairment (“ASU 2012-02”). ASU 2012-02 provides companies with the option to assess qualitative factors to determine whether the existence of events and circumstances indicates that it is more likely than not (a likelihood of more than 50 percent) that the indefinite-lived intangible asset is impaired. If a company concludes that it is more likely than not that the asset is impaired, it is required to determine the fair value of the intangible asset and perform the quantitative impairment test by comparing the fair value with the carrying value in accordance with ASC 350, Intangibles—Goodwill and Other. If a company concludes otherwise, no further quantitative assessment is required. ASU 2012-02 is effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012, although early adoption is permitted. The Company adopted ASU 2012-02 on January 1, 2013, and the adoption did not have a material effect on its financial position or results of operations. The Company’s annual indefinite-lived intangible asset impairment test will be performed during the second quarter of 2013.

6

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

In December 2011, the FASB issued ASU No. 2011-11, Disclosures about Offsetting Assets and Liabilities (Topic 210) (“ASU 2011-11”). ASU 2011-11 requires a company to provide enhanced disclosures about financial instruments and derivative instruments that are either presented on a net basis in the statement of financial position or are subject to an enforceable master netting or similar arrangement. In January 2013, the FASB issued ASU No. 2013-01, Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities (“ASU 2013-01”), which limits the scope of ASU 2011-11 by requiring additional disclosure about financial instruments and derivative instruments that are either offset in the statement of financial position or subject to an enforceable master netting arrangement. ASU 2013-01 requires retrospective disclosure for all comparative periods. ASU 2011-11 and ASU 2013-01 are effective for annual and interim reporting periods beginning January 1, 2013. The Company adopted ASU 2011-11 and ASU 2013-01 on January 1, 2013, and the adoption of these standards did not have a material effect on its financial position or results of operations. See Note 13.

Accounting Standards to be Adopted in Future Periods

In March 2013, the FASB issued ASU No. 2013-05, Foreign Currency Matters (Topic 830): Parent’s Accounting for the Cumulative Translation Adjustment upon Derecognition of Certain Subsidiaries or Groups of Assets within a Foreign Entity or of an Investment in a Foreign Entity (a consensus of the FASB Emerging Issues Task Force) (“ASU 2013-05”), which applies to the release of the cumulative translation adjustment into net income when a parent either sells all or a part of its investment in a foreign entity or no longer holds a controlling financial interest in a subsidiary or group of assets that is a business (other than a sale of in substance real estate or conveyance of oil and gas mineral rights) within a foreign entity. ASU 2013-05 is effective prospectively for fiscal years (and interim reporting periods within those years) beginning after December 15, 2013. The Company does not expect ASU 2013-05 to have a material effect on the Company’s results of operations, financial condition, or other comprehensive income.

2. Reorganization of Mexico-based Pawn Operations

On September 24, 2012, the Company’s Board of Directors approved a plan to significantly modify the business plan and strategy of the Company’s Mexico-based pawn operations, which comprise the foreign component of its retail services segment. The Company reorganized these operations to include only full-service pawn locations that offer pawn loans based on the pledge of general merchandise and jewelry-based collateral and the net closure of 148 of its Mexico-based pawn locations that primarily offered pawn loans based on the pledge of jewelry-based collateral (the “Mexico Reorganization”). The Mexico Reorganization was substantially completed as of December 31, 2012. As of March 31, 2013, the Company was operating 47 full-service pawn locations in Mexico. The Mexico Reorganization reflects management’s decision to modify its strategy in Mexico to achieve profitability in its Mexico-based pawn operations and to evaluate the potential to expand its services to customers in Latin American markets.

The following table summarizes the balance of accrued exit costs related to the Mexico Reorganization and the changes in the accrued expenses as of and for the three months ended March 31, 2013 (dollars in thousands):

			For the Three Months Ended March 31, 2013
	Accrued Balance as of December 31, 2012		Charges		Cash Payments			Foreign currency changes			Accrued balance as  of March 31, 2013
Lease termination costs	$	109	$	—	$	(106	)	$	(3	)	$	—
Total	$	109	$	—	$	(106	)	$	(3	)	$	—

The accrued reorganization charges were included in “Accounts payable and accrued liabilities” in the Company’s consolidated balance sheets as of December 31, 2012.

7

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

3. Credit Quality Information on Pawn Loans

The Company manages its pawn loan portfolio by monitoring the type and adequacy of collateral compared to historical gross profit margins. If a pawn loan defaults, the Company relies on the disposition of pawned property to recover the principal amount of an unpaid pawn loan, plus a yield on the investment, because the Company’s pawn loans are non-recourse against the customer. In addition, the customer’s creditworthiness does not affect the Company’s financial position or results of operations. Generally, forfeited merchandise has historically sold for an amount in excess of the cost of goods sold (which is the lower of cost, or the cost basis in the loan or amount paid for purchased merchandise, or fair value). Goods pledged to secure pawn loans are tangible personal property items such as jewelry, tools, televisions and other electronics, musical instruments and other miscellaneous items. A pawn loan is considered delinquent if the customer does not repay or, where allowed by law, renew or extend the loan on or prior to its contractual maturity date plus any applicable grace period. Pawn loan fees and service charges do not accrue on delinquent pawn loans. When a pawn loan is considered delinquent, any accrued pawn loan fees and service charges are reversed and no additional pawn loan fees and service charges are accrued. As of March 31, 2013 and 2012 and December 31, 2012, the Company had current pawn loans outstanding of $195.9 million, $202.6 million and $235.3 million, respectively, and delinquent pawn loans outstanding of $7.1 million, $3.7 million and $9.3 million, respectively.

4. Consumer Loans, Credit Quality Information on Consumer Loans, Allowance and Liability for Estimated Losses on Consumer Loans and Guarantees of Consumer Loans

Consumer loan fee revenue generated from the Company’s consumer loans for the three months ended March 31, 2013 and 2012 was as follows (dollars in thousands):

	Three Months Ended March 31,
	2013		2012
Interest and fees on short-term loans	$	140,215	$	136,642
Interest and fees on line of credit accounts		23,234		11,651
Interest and fees on installment loans		46,756		24,547
Total consumer loan revenue	$	210,205	$	172,840

Current and Delinquent Consumer Loans

The Company classifies its consumer loans as either current or delinquent. Short-term loans are considered delinquent when payment of an amount due is not made as of the due date. If a line of credit account or installment loan customer misses one payment, that payment is considered delinquent. If a line of credit account or installment loan customer does not make two consecutive payments, the entire account or loan is classified as delinquent. The Company allows for normal payment processing time before considering a loan delinquent but does not provide for any additional grace period.

Where permitted by law, a customer may choose to renew a short-term loan contract or extend the due date on a short-term loan before it is considered delinquent by agreeing to pay the current finance charge for the right to make a later payment of the outstanding principal balance plus an additional finance charge. In addition, in some instances, customers agree to repay a new short-term loan in two or three payments, and in these cases the Company considers the obligation to make the first payment a new loan and the obligation to make the second and third payments renewals or extensions of that loan because the customer pays the finance charge due at the time of each payment, similar to a loan that has been renewed or extended. All references to renewals include both renewals and extensions made by customers to their existing short-term loans. If a short-term loan is renewed, but the customer fails to pay that loan’s current finance charge as of the due date, the unpaid finance charge is classified as delinquent.

8

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

The Company generally does not accrue interest on delinquent consumer loans and does not resume accrual of interest unless a loan is returned to current status. Delinquent consumer loans may not be renewed, and if, during its attempt to collect on a delinquent consumer loan, the Company allows additional time for payment through a payment plan or a promise to pay, it is still considered delinquent. All payments received are first applied against accrued but unpaid interest and fees and then against the principal balance of the loan.

Allowance and Liability for Estimated Losses on Consumer Loans

The Company monitors the performance of its consumer loan portfolio and maintains either an allowance or liability for estimated losses on consumer loans (including fees and interest) at a level estimated to be adequate to absorb credit losses inherent in the portfolio. The allowance for losses on the Company’s owned consumer loans reduces the outstanding loan balance in the consolidated balance sheets. The liability for estimated losses related to loans guaranteed by the Company under its credit services organization programs (“CSO programs”), which approximates the fair value of the liability, is included in “Accounts payable and accrued expenses” in the consolidated balance sheets.

In determining the allowance or liability for estimated losses on consumer loans, the Company applies a documented systematic methodology. In calculating the allowance or liability for loan losses, outstanding loans are divided into discrete groups of short-term loans, line of credit accounts and installment loans and are analyzed as current or delinquent. Increases in either the allowance or the liability, net of charge-offs and recoveries, are recorded as a “Consumer loan loss provision” in the consolidated statements of income.

The allowance or liability for short-term loans classified as current is based on historical loss rates adjusted for recent default trends for current loans. For delinquent short-term loans, the allowance or liability for estimated losses is based on a six-month rolling average of loss rates by stage of collection. For line of credit and installment loan portfolios, the Company generally uses a migration analysis to estimate losses inherent in the portfolio. The allowance or liability calculation under the migration analysis is based on historical charge-off experience and the loss emergence period, which represents the average amount of time between the first occurrence of a loss event to the charge-off of a loan. The factors the Company considers to assess the adequacy of the allowance or liability include past due performance, historical behavior of monthly vintages, underwriting changes and recent trends in delinquency in the migration analysis.

The Company fully reserves and generally charges off consumer loans once the loan or a portion of the loan has been classified as delinquent for 60 consecutive days. If a loan is deemed uncollectible before it is fully reserved, it is charged off at that point. Consumer loans classified as delinquent generally have an age of one to 59 days from the date any portion of the loan became delinquent, as defined above. Recoveries on loans previously charged to the allowance are credited to the allowance when collected.

The components of Company-owned consumer loan portfolio receivables as of March 31, 2013 and 2012 and December 31, 2012 were as follows (dollars in thousands):

	As of March 31, 2013
	Short-term Loans			Line of Credit Accounts			Installment Loans			Total
Current loans	$	119,280		$	32,039		$	110,630		$	261,949
Delinquent loans		48,448			4,916			16,155			69,519
Total consumer loans, gross		167,728			36,955			126,785			331,468
Less: allowance for losses		(42,570	)		(8,064	)		(27,033	)		(77,667	)
Consumer loans, net	$	125,158		$	28,891		$	99,752		$	253,801

9

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

	As of March 31, 2012
	Short-term Loans			Line of Credit Accounts			Installment Loans			Total
Current loans	$	117,877		$	18,281		$	65,127		$	201,285
Delinquent loans		45,941			1,834			10,018			57,793
Total consumer loans, gross		163,818			20,115			75,145			259,078
Less: allowance for losses		(39,907	)		(3,518	)		(15,288	)		(58,713	)
Consumer loans, net	$	123,911		$	16,597		$	59,857		$	200,365
	As of December 31, 2012
	Short-term Loans			Line of Credit Accounts			Installment Loans			Total
Current loans	$	146,732		$	36,603		$	117,641		$	300,976
Delinquent loans		52,565			6,097			15,483			74,145
Total consumer loans, gross		199,297			42,700			133,124			375,121
Less: allowance for losses		(45,982	)		(11,107	)		(28,614	)		(85,703	)
Consumer loans, net	$	153,315		$	31,593		$	104,510		$	289,418

Changes in the allowance for losses for the Company-owned loans and the liability for estimated losses on the Company’s guarantees of third-party lender-owned loans during the three months ended March 31, 2013 and 2012 were as follows (dollars in thousands):

	Three Months Ended March 31, 2013
	Short-term Loans			Line of Credit Accounts			Installment Loans			Total
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	45,982		$	11,107		$	28,614		$	85,703
Consumer loan loss provision		46,553			6,553			23,149			76,255
Charge-offs		(60,790	)		(11,202	)		(27,744	)		(99,736	)
Recoveries		10,825			1,606			3,014			15,445
Balance at end of period	$	42,570		$	8,064		$	27,033		$	77,667
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	2,934		$	-		$	564		$	3,498
Decrease in liability		(1,387	)		-			(16	)		(1,403	)
Balance at end of period	$	1,547		$	-		$	548		$	2,095

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CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

	Three Months Ended March 31, 2012
	Short-term  Loans			Line of Credit Accounts		Installment Loans			Total
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	46,406		$	3,723	$	12,943		$	63,072
Consumer loan loss provision		45,534			3,420		14,498			63,452
Charge-offs		(61,255)			(4,021)		(13,337)			(78,613)
Recoveries		9,222			396		1,184			10,802
Balance at end of period	$	39,907		$	3,518	$	15,288		$	58,713
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	2,617		$	-	$	445		$	3,062
Decrease in liability		(987	)		-		(82	)		(1,069	)
Balance at end of period	$	1,630		$	-	$	363		$	1,993

Guarantees of Consumer Loans

In connection with its CSO programs, the Company guarantees consumer loan payment obligations to unrelated third-party lenders and is required to purchase any defaulted loans it has guaranteed. The guarantee represents an obligation to purchase specific loans that go into default. Short-term loans that are guaranteed generally have terms of less than 90 days. Secured auto equity loans, which are included in the Company’s installment loan portfolio, that are guaranteed typically have an average term of less than 24 months, with available terms of up to 42 months. As of March 31, 2013 and 2012 and December 31, 2012, the amount of consumer loans guaranteed by the Company was $43.9 million, $44.5 million, and $64.7 million, respectively, representing amounts due under consumer loans originated by third-party lenders under the CSO programs. The estimated fair value of the liability for estimated losses on consumer loans guaranteed by the Company of $2.1 million, $2.0 million and $3.5 million, as of March 31, 2013 and 2012 and December 31, 2012, respectively, is included in “Accounts payable and accrued expenses” in the accompanying consolidated balance sheets.

5. Merchandise Held for Disposition

Merchandise held for disposition and the related allowance as of March 31, 2013 and 2012 and December 31, 2012 associated with the Company’s domestic and foreign retail services operations were as follows (dollars in thousands):

	As of March 31,														As of December 31,
	2013							2012							2012
	Total		Allowance			Net		Total		Allowance			Net		Total		Allowance			Net
Domestic	$	141,507	$	(840	)	$	140,667	$	128,906	$	(700	)	$	128,206	$	162,495	$	(840	)	$	161,655
Foreign		5,385		(11	)		5,374		11,313		-			11,313		5,765		(11	)		5,754
Total	$	146,892	$	(851	)	$	146,041	$	140,219	$	(700	)	$	139,519	$	168,260	$	(851	)	$	167,409

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CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

6. Long-Term Debt

The Company’s long-term debt instruments and balances outstanding as of March 31, 2013 and 2012 and December 31, 2012 were as follows (dollars in thousands):

	Balance as of
	March 31,				December 31,
	2013		2012		2012
Domestic and multi-currency line of credit up to $380,000 ($100,000 matures May 2013, $280,000 matures March 2015)	$	179,321	$	156,113	$	301,011
6.12% senior unsecured notes due 2012		-		13,333		-
Variable rate senior unsecured notes due 2015		39,583		47,917		41,667
6.09% senior unsecured notes due 2016		28,000		35,000		28,000
7.26% senior unsecured notes due 2017		20,000		25,000		25,000
6.00% Series A senior unsecured notes due 2019		47,000		-		47,000
6.21% senior unsecured notes due 2021		20,455		22,727		20,455
6.58% Series B senior unsecured notes due 2022		5,000		-		5,000
5.25% convertible senior notes due 2029		111,024		107,818		110,197
Total debt	$	450,383	$	407,908	$	578,330
Less current portion		22,606		35,939		43,617
Total long-term debt	$	427,777	$	371,969	$	534,713

Domestic and Multi-Currency Line

The Company has a domestic and multi-currency line of credit that consists of a $380.0 million line of credit, which includes the ability to borrow up to $50.0 million in specified foreign currencies or U.S. dollars (the “Domestic and Multi-currency Line”). The Domestic and Multi-currency Line will decrease by $100.0 million to $280.0 million on the earlier of May 29, 2013 or the second business day following the closing of an initial public offering of common stock of Enova International, Inc., a wholly-owned subsidiary of the Company (“Enova”), that results in Enova no longer being considered a majority-owned subsidiary of the Company. The remainder of the Domestic and Multi-currency Line matures on March 31, 2015. Interest on the Domestic and Multi-currency Line is charged, at the Company’s option, at either the London Interbank Offered Rate (“LIBOR”) plus a margin varying from 2.00% to 3.25% or at the agent’s base rate plus a margin varying from 0.50% to 1.75%. The margin for the Domestic and Multi-currency Line is dependent on the Company’s cash flow leverage ratios as defined in the credit agreement entered into in connection with the Domestic and Multi-currency Line. The Company also pays a fee on the unused portion of the Domestic and Multi-currency Line ranging from 0.25% to 0.50% (0.38% as of March 31, 2013) based on the Company’s cash flow leverage ratios. The weighted average interest rate (including margin) on the Domestic and Multi-currency Line was 3.04%, 3.03% and 3.06% as of March 31, 2013 and 2012 and December 31, 2012, respectively.

As of March 31, 2013, borrowings under the Company’s Domestic and Multi-currency Line consisted of three pricing tranches with maturity dates ranging from two to 30 days, and as of March 31, 2012, borrowings under the Company’s Domestic and Multi-currency Line consisted of four pricing tranches with maturity dates ranging from three to 31 days. However, the Company routinely refinances borrowings pursuant to the terms of its Domestic and Multi-currency Line. Therefore, these borrowings are reported as part of the applicable line of credit and as long-term debt.

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CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

Variable Rate Senior Unsecured Notes

When the Company entered into its Domestic and Multi-currency Line, it also entered into a $50.0 million term loan facility (the “2015 Variable Rate Notes”). Beginning March 31, 2012, the 2015 Variable Rate Notes became payable in equal quarterly principal installments of $2.1 million with any outstanding principal remaining due at maturity on March 31, 2015. Interest on the 2015 Variable Rate Notes is charged, at the Company’s option, at either LIBOR plus a margin of 3.50% or at the agent’s base rate plus a margin of 2.00%. The weighted average interest rate (including margin) on the 2015 Variable Rate Notes was 3.75%, 3.75% and 3.75% as of March 31, 2013 and 2012 and December 31, 2012, respectively.

Other

When the Company entered into its Domestic and Multi-currency Line, it also entered into a separate credit agreement for the issuance of up to $20.0 million in letters of credit (the “Letter of Credit Facility”). The Company had standby letters of credit of $16.3 million under its Letter of Credit Facility as of March 31, 2013.

The Company’s debt agreements for its Domestic and Multi-currency Line and its senior unsecured notes require the Company to maintain certain financial ratios. As of March 31, 2013, the Company was in compliance with all covenants or other requirements set forth in its debt agreements.

7. Net Income Per Share

Basic net income per share is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted net income per share is calculated by giving effect to the potential dilution that could occur if securities or other contracts to issue common shares were exercised and converted into common shares during the period. Restricted stock units issued under the Company’s stock-based employee compensation plans are included in diluted shares upon the granting of the awards even though the vesting of shares will occur over time. Performance-based awards are included in diluted shares based on the level of performance that management estimates is the most probable outcome at the grant date. Throughout the requisite service period, management monitors the probability of achievement of the performance condition and, if material, adjusts the number of shares included in diluted shares accordingly.

13

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

The following table sets forth the reconciliation of numerators and denominators of basic and diluted net income per share computations for the three months ended March 31, 2013 and 2012 (dollars and shares in thousands, except per share amounts):

		Three Months Ended March 31,
		2013		2012
	Numerator:
	Net income attributable to Cash America International, Inc.	$	43,926	$	41,467
	Denominator:
	Total weighted average basic shares (a)		29,100		29,616
	Shares applicable to stock-based compensation(b)		144		297
	Convertible debt(c)		2,127		1,999
	Total weighted average diluted shares (d)		31,371		31,912
	Net income – basic	$	1.51	$	1.40
	Net income – diluted	$	1.40	$	1.30
(a)	Includes vested and deferred restricted stock units of 310 and 279, as well as 31 and 32 shares held in the Company’s nonqualified deferred compensation plan for the three months ended March 31, 2013 and 2012, respectively.
(b)	For the three months ended March 31, 2013, includes shares related to unvested restricted stock unit awards. For the three months ended March 31, 2012, includes shares related to outstanding option awards that are exercisable and shares related to unvested restricted stock unit awards.
(c)	The shares issuable with respect to the Company’s 2009 Convertible Notes due 2029 (the “2009 Convertible Notes”) have been calculated using the treasury stock method. The Company intends to settle the principal portion of the convertible debt in cash; therefore, only the shares related to the conversion spread have been included in weighted average diluted shares.
(d)	There were 87 anti-dilutive shares for the three months ended March 31, 2013 and no anti-dilutive shares for the three months ended March 31, 2012.

8. Income Taxes

During 2012, the Company’s Mexico-based pawn operations that operated under the name Prenda Fácil were owned by Creazione Estilo, S.A. de C.V., a Mexican sociedad anónima de capital variable (“Creazione”). In January 2013, the Company’s Mexico-based pawn operations were sold by Creazione to another wholly-owned subsidiary of the Company, CA Empeños Mexico, S. de R.L. de C.V., and began operating exclusively under the name “Cash America casa de empeño.” The Company intends to liquidate the remaining assets of Creazione, which are insignificant, during 2013. In connection with the final liquidation of Creazione, the Company intends to claim a worthless stock deduction for tax purposes on its 2013 federal income tax return for its tax basis in the stock of Creazione. The Company could realize an income tax benefit of $33.4 million as a result of the worthless stock deduction. The Company intends to treat the deduction as an ordinary loss. However, the Internal Revenue Service (“IRS”) could challenge the characterization of the loss. If the deduction is ultimately determined to be a capital loss, the tax benefit may not be realized. As of December 31, 2012, the Company had recorded an income tax benefit of $9.3 million and an offsetting valuation allowance associated with the Company’s excess tax basis over its basis for financial purposes in the stock of Creazione. During the three months ended March 31, 2013, the Company recorded an additional income tax benefit of $24.1 million associated with its remaining tax basis in the stock of Creazione. In addition, the Company released the valuation allowance recorded in 2012 of $9.3 million and recorded a $33.4 million liability for uncertain tax benefits. As a result, there was no impact on the income tax provision for the three months ended March 31, 2013 related to the potential benefit for the Creazione worthless stock deduction.

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CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

The balance of the Company’s liability for unrecognized tax benefits as of March 31, 2013 was $35.3 million. The Company believes that it is reasonably possible that the entire amount of its unrecognized tax benefits will be recognized in 2013. The unrecognized tax benefit associated with the Creazione worthless stock deduction could be recognized in 2013 if the Company receives a favorable ruling on this matter. In addition, the Company’s unrecognized tax benefits associated with the pre-acquisition tax matters of Prenda Fácil could be recognized as a result of the lapse of the statute of limitations.

9. Operating Segment Information

The Company has two reportable operating segments: retail services and e-commerce. The retail services segment includes all of the operations of the Company’s Retail Services Division, which is composed of both domestic and foreign storefront locations that offer some or all of the following services: pawn loans, consumer loans, the purchase and sale of merchandise, check cashing and other ancillary services such as money orders, wire transfers, prepaid debit cards, tax filing services and auto insurance. Most of these ancillary services offered in the retail services segment are provided through third-party vendors. The e-commerce segment includes the operations of the Company’s E-Commerce Division, which is composed of the Company’s domestic and foreign online lending channels through which the Company offers consumer loans. In the e-commerce segment, certain administration expenses are allocated between the domestic and foreign components based on the amount of loans written and renewed. The Company reports corporate operations separately from its retail services and e-commerce segment information. Corporate operations primarily include corporate expenses, such as legal, occupancy, and other costs related to corporate service functions, such as executive oversight, insurance and risk management, public and government relations, internal audit, treasury, payroll, compliance and licensing, finance, accounting, tax and information systems (except for online lending systems, which are included in the e-commerce segment). Corporate income includes miscellaneous income not directly attributable to the Company’s segments. Corporate assets primarily include corporate property and equipment, nonqualified savings plan assets, marketable securities, foreign exchange forward contracts and prepaid insurance.

The following tables contain operating segment data for the three months ended March 31, 2013 and 2012 by segment, for the Company’s corporate operations and on a consolidated basis (dollars in thousands):

	Retail Services							E-Commerce
	Domestic		Foreign			Total		Domestic		Foreign		Total		Corporate			Consolidated
Three Months Ended March 31, 2013
Revenue
Pawn loan fees and service charges	$	74,174	$	1,740		$	75,914	$	-	$	-	$	-	$	-		$	75,914
Proceeds from disposition of merchandise		174,150		4,567			178,717		-		-		-		-			178,717
Consumer loan fees		28,322		-			28,322		90,641		91,242		181,883		-			210,205
Other		2,500		93			2,593		441		7		448		251			3,292
Total revenue		279,146		6,400			285,546		91,082		91,249		182,331		251			468,128
Cost of revenue
Disposed merchandise		117,687		3,648			121,335		-		-		-		-			121,335
Consumer loan loss provision		6,778		-			6,778		29,823		38,251		68,074		-			74,852
Total cost of revenue		124,465		3,648			128,113		29,823		38,251		68,074		-			196,187
Net revenue		154,681		2,752			157,433		61,259		52,998		114,257		251			271,941
Expenses
Operations and administration		90,702		3,603			94,305		30,755		34,827		65,582		16,937			176,824
Depreciation and amortization		8,801		399			9,200		3,883		560		4,443		3,888			17,531
Total expenses		99,503		4,002			103,505		34,638		35,387		70,025		20,825			194,355
Income (loss) from operations	$	55,178	$	(1,250	)	$	53,928	$	26,621	$	17,611	$	44,232	$	(20,574	)	$	77,586
As of March 31, 2013
Total assets	$	915,772	$	128,534		$	1,044,306	$	374,513	$	185,439	$	559,952	$	131,189		$	1,735,447
Goodwill						$	400,871					$	210,369				$	611,240

15

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

	Retail Services							E-Commerce
	Domestic		Foreign			Total		Domestic		Foreign			Total		Corporate			Consolidated
Three Months Ended March 31, 2012
Revenue
Pawn loan fees and service charges	$	69,413	$	3,486		$	72,899	$	-	$	-		$	-	$	-		$	72,899
Proceeds from disposition of merchandise		195,986		12,397			208,383		-		-			-		-			208,383
Consumer loan fees		29,372		-			29,372		69,124		74,344			143,468		-			172,840
Other		2,962		49			3,011		165		(6	)		159		196			3,366
Total revenue		297,733		15,932			313,665		69,289		74,338			143,627		196			457,488
Cost of revenue
Disposed merchandise		127,128		11,193			138,321		-		-			-		-			138,321
Consumer loan loss provision		4,466		-			4,466		21,954		35,963			57,917		-			62,383
Total cost of revenue		131,594		11,193			142,787		21,954		35,963			57,917		-			200,704
Net revenue		166,139		4,739			170,878		47,335		38,375			85,710		196			256,784
Expenses
Operations and administration		91,259		8,194			99,453		23,816		26,723			50,539		20,163			170,155
Depreciation and amortization		7,132		1,128			8,260		2,612		263			2,875		3,486			14,621
Total expenses		98,391		9,322			107,713		26,428		26,986			53,414		23,649			184,776
Income (loss) from operations	$	67,748	$	(4,583	)	$	63,165	$	20,907	$	11,389		$	32,296	$	(23,453	)	$	72,008
As of March 31, 2012
Total assets	$	844,689	$	123,245		$	967,934	$	339,199	$	143,757		$	482,956	$	131,847		$	1,582,737
Goodwill						$	357,459						$	210,371				$	567,830

10. Litigation

On August 6, 2004, James E. Strong filed a purported class action lawsuit in the State Court of Cobb County, Georgia against Georgia Cash America, Inc., Cash America International, Inc. (together with Georgia Cash America, Inc., “Cash America”), Daniel R. Feehan, and several unnamed officers, directors, owners and “stakeholders” of Cash America. In August 2006, James H. Greene and Mennie Johnson were permitted to join the lawsuit as named plaintiffs, and in June 2009, the court agreed to the removal of James E. Strong as a named plaintiff. The lawsuit alleges many different causes of action, among the most significant of which is that Cash America made illegal short-term loans in Georgia in violation of Georgia’s usury law, the Georgia Industrial Loan Act and Georgia’s Racketeer Influenced and Corrupt Organizations Act (“RICO”). First National Bank of Brookings, South Dakota (“FNB”) and Community State Bank of Milbank, South Dakota (“CSB”) for some time made loans to Georgia residents through Cash America’s Georgia operating locations. The complaint in this lawsuit claims that Cash America was the true lender with respect to the loans made to Georgia borrowers and that FNB and CSB’s involvement in the process is “a mere subterfuge.” Based on this claim, the suit alleges that Cash America was the “de facto” lender and was illegally operating in Georgia. The complaint seeks unspecified compensatory damages, attorney’s fees, punitive damages and the trebling of any compensatory damages. In November 2009 the case was certified as a class action lawsuit. In August 2011, Cash America filed a motion for summary judgment, and in October 2011, the plaintiffs filed a cross-motion for partial summary judgment. Hearings on the motions were held in October and November 2011, and the trial court entered an order granting summary judgment in favor of Cash America on one of the plaintiff’s claims, denying the remainder of Cash America’s motion and granting the plaintiff’s cross-motion for partial summary judgment. Cash America filed a notice of appeal with the Georgia Court of Appeals in December 2011 on the grant of plaintiff’s partial summary judgment, and on November 6, 2012, the Georgia Court of Appeals reversed the trial court’s grant of partial summary judgment to plaintiffs and affirmed the trial court’s denial of Cash America’s motion for summary judgment. Cash America filed a Petition for Certiorari with the Supreme Court of Georgia to appeal the decision of the Georgia Court of Appeals regarding Cash America’s motion for summary judgment on November 26, 2012, which was denied on February 18, 2013. The Company is currently unable to estimate a range of reasonably possible losses, as defined by ASC 450-20-20, Contingencies—Loss Contingencies—Glossary, for this litigation. Cash America believes that the Plaintiffs’ claims in this suit are without merit and is vigorously defending this lawsuit.

16

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

The Company is also a defendant in certain routine litigation matters encountered in the ordinary course of its business. Certain of these matters are covered to an extent by insurance. In the opinion of management, the resolution of these matters is not expected to have a material adverse effect on the Company’s financial position, results of operations or liquidity.

11. Voluntary Reimbursements to Ohio Customers

On December 4, 2012, the Company announced a voluntary program to fully reimburse approximately 14,000 Ohio customers for all funds collected, plus interest accrued from the date collected, in connection with legal collections proceedings initiated by the Company in Ohio from January 1, 2008 through December 4, 2012. In 2012, the Company determined that a small number of employees did not prepare certain court documents in many of its Ohio legal collections proceedings in accordance with court rules. In connection with the reimbursement program, for all trial court collections proceedings filed by the Company in Ohio from January 1, 2008 through December 4, 2012, with the exception of one appellate matter, the Company is in the process of filing dismissals, terminating all existing post-judgment collections activities, and requesting to vacate each judgment entered and/or notifying credit reporting bureaus of the vacated judgments, as necessary, for each case.

As of December 31, 2012, the Company had accrued $13.4 million in “Accounts payable and accrued expenses” in the consolidated balance sheets, which represents the estimated cost of the reimbursement program and related expenses. The Company is working with a third party to accumulate reimbursement data, but, as of March 31, 2013, no reimbursement payments had yet been made. The accrual for these reimbursements was $13.4 million as of March 31, 2013.

12. Fair Value Measurements

Recurring Fair Value Measurements

In accordance with ASC 820-10, Fair Value Measurements and Disclosures (“ASC 820-10”), certain of the Company’s assets and liabilities, which are carried at fair value, are classified in one of the following three categories:

Level 1: Quoted market prices in active markets for identical assets or liabilities.

Level 2: Observable market-based inputs or unobservable inputs that are corroborated by market data.

Level 3: Unobservable inputs that are not corroborated by market data.

The Company’s financial assets and liabilities that are measured at fair value on a recurring basis as of March 31, 2013 and 2012 and December 31, 2012 are as follows (dollars in thousands):

	March 31,  2013			Fair Value Measurements Using
				Level 1		Level 2			Level 3
Financial assets (liabilities):
Forward currency exchange contracts	$	(407	)	$	-	$	(407	)	$	-
Nonqualified savings plan assets (a)		13,116			13,116		-			-
Marketable securities(b)		7,028			7,028		-			-
Total	$	19,737		$	20,144	$	(407	)	$	-

17

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

		March 31,   2012			Fair Value Measurements Using
					Level 1		Level 2			Level 3
	Financial assets (liabilities):
	Forward currency exchange contracts	$	(396	)	$	-	$	(396	)	$	-
	Nonqualified savings plan assets (a)		10,336			10,336		-			-
	Marketable securities(b)		5,565			5,565		-			-
	Total	$	15,505		$	15,901	$	(396	)	$	-
		December 31, 2012			Fair Value Measurements Using
					Level 1		Level 2			Level 3
	Financial assets (liabilities):
	Forward currency exchange contracts	$	(406	)	$	-	$	(406	)	$	-
	Nonqualified savings plan assets (a)		11,347			11,347		-			-
	Marketable securities(b)		6,042			6,042		-			-
	Total	$	16,983		$	17,389	$	(406	)	$	-
(a)	The nonqualified savings plan assets have an offsetting liability of equal amount, which is included in “Accounts payable and accrued expenses” in the Company’s consolidated balance sheets.
(b)	Cumulative unrealized total gains/(losses), net of tax, on these equity securities of $0.9 million, ($0.1) million and $0.3 million as of March 31, 2013 and 2012, and December 31, 2012, respectively, are recorded in “Accumulated other comprehensive income (loss)” in the Company’s consolidated statements of equity.

The Company measures the fair value of its forward currency exchange contracts under Level 2 inputs as defined by ASC 820-10. For these forward currency exchange contracts, standard valuation models are used to determine fair value. The significant inputs used in these models are derived from observable market transactions. During the three months ended March 31, 2013 and 2012, there were no transfers of assets in or out of Level 1 or Level 2 fair value measurements.

Financial Assets and Liabilities Not Measured at Fair Value

The Company’s financial assets and liabilities as of March 31, 2013 and 2012 and December 31, 2012 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands):

	Carrying Value		Estimated Fair Value
	March 31,		March 31,		Fair Value Measurement Using
	2013		2013		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	78,361	$	78,361	$	78,361	$	-	$	-
Pawn loans		202,982		202,982		-		-		202,982
Consumer loans, net		253,801		253,801		-		-		253,801
Pawn loan fees and service charges receivable		40,560		40,560		-		-		40,560
Total	$	575,704	$	575,704	$	78,361	$	-	$	497,343
Financial liabilities:
Domestic and Multi-currency Line of credit	$	179,321	$	183,898	$	-	$	183,898	$	-
Senior unsecured notes		160,038		164,012		-		164,012		-
2009 Convertible Notes		111,024		239,775		-		239,775		-
Total	$	450,383	$	587,685	$	-	$	587,685	$	-

18

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

	Carrying Value		Estimated Fair Value
	March 31,		March 31,		Fair Value Measurement Using
	2012		2012		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	63,606	$	63,606	$	63,606	$	-	$	-
Pawn loans		206,343		206,343		-		-		206,343
Consumer loans, net		200,365		200,365		-		-		200,365
Pawn loan fees and service charges receivable		38,797		38,797		-		-		38,797
Total	$	509,111	$	509,111	$	63,606	$	-	$	445,505
Financial liabilities:
Domestic and Multi-currency Line of credit	$	156,113	$	162,053	$	-	$	162,053	$	-
Senior unsecured notes		143,977		142,501		-		142,501		-
2009 Convertible Notes		107,818		225,544		-		225,544		-
Total	$	407,908	$	530,098	$	-	$	530,098	$	-
	Carrying Value		Estimated Fair Value
	December 31,		December 31,		Fair Value Measurement Using
	2012		2012		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	63,134	$	63,134	$	63,134	$	-	$	-
Pawn loans		244,640		244,640		-		-		244,640
Consumer loans, net		289,418		289,418		-		-		289,418
Pawn loan fees and service charges receivable		48,991		48,991		-		-		48,991
Total	$	646,183	$	646,183	$	63,134	$	-	$	583,049
Financial liabilities:
Domestic and Multi-currency Line of credit	$	301,011	$	309,969	$	-	$	309,969	$	-
Senior unsecured notes		167,122		165,961		-		165,961		-
2009 Convertible Notes		110,197		186,300		-		186,300		-
Total	$	578,330	$	662,230	$	-	$	662,230	$	-

Cash and cash equivalents bear interest at market rates and have maturities of less than 90 days.

Pawn loans generally have maturity periods of less than 90 days. If a pawn loan defaults, the Company disposes of the collateral. Historically, collateral has sold for an amount in excess of the principal amount of the loan.

Consumer loans are carried in the consolidated balance sheet net of the allowance for estimated loan losses, which is calculated by applying historical loss rates combined with recent default trends to the gross consumer loan balance. The unobservable inputs used to calculate the carrying value of consumer loans include historical loss rates and recent default trends. Consumer loans have relatively short maturity periods that are generally 12 months or less.

Pawn loan fees and service charges receivable are accrued ratably over the term of the loan based on the portion of these pawn loans deemed collectible. The Company uses historical performance data to determine collectability of pawn loan fees and service charges receivable. Additionally, pawn loan fee and service charge rates are determined by regulations and bear no valuation relationship to the capital markets’ interest rate movements.

19

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

The Company measures the fair value of long-term debt instruments using Level 2 inputs. The fair values of the Company’s long-term debt instruments are estimated based on market values for debt issues with similar characteristics or rates currently available for debt with similar terms. As of March 31, 2013, the Company’s Domestic and Multi-currency Line of credit and the Company’s senior unsecured notes have a higher fair market value than the carrying value due to the difference in yield when compared to recent issuances of similar types of credit and similar senior unsecured notes. As of March 31, 2013, the 2009 Convertible Notes have a higher fair value than carrying value due to the Company’s stock price as of March 31, 2013 exceeding the applicable conversion price for the 2009 Convertible Notes, thereby increasing the value of the instrument for noteholders.

13. Derivative Instruments

The Company periodically uses derivative instruments to manage risk from changes in market conditions that may affect the Company’s financial performance. The Company primarily uses derivative instruments to manage its primary market risks, which are interest rate risk and foreign currency exchange rate risk.

The Company uses forward currency exchange contracts to hedge foreign currency risk in the United Kingdom and Australia. The Company’s forward currency exchange contracts are non-designated derivatives. Any gain or loss resulting from these contracts is recorded as income or loss and is included in “Foreign currency transaction gain (loss)” in the Company’s consolidated statements of income.

The Company’s derivative instruments are presented in its financial statements on a net basis. The following table presents information related to the Company’s derivative instruments as of March 31, 2013 and 2012 and December 31, 2012 were as follows (dollars in thousands):

Assets	As of March 31, 2013
Non-designated derivatives:	Notional Amount		Gross Amounts of Recognized Assets		Gross Amounts Offset in the Consolidated Balance  Sheet(a)			Net Amounts of Assets Presented in the Consolidated Balance Sheet(b)
Forward currency exchange contracts	$	86,456	$	—	$	(407	)	$	(407	)
Assets	As of March 31, 2012
Non-designated derivatives:	Notional Amount		Gross Amounts of Recognized Assets		Gross Amounts Offset in the Consolidated Balance Sheet(a)			Net Amounts of Assets Presented in the Consolidated Balance Sheet(b)
Forward currency exchange contracts	$	76,671	$	—	$	(396	)	$	(396	)
Assets	As of December 31, 2012
Non-designated derivatives:	Notional Amount		Gross Amounts of Recognized Assets		Gross Amounts Offset in the Consolidated Balance Sheet(a)			Net Amounts of Assets Presented in the Consolidated Balance Sheet(b)
Forward currency exchange contracts	$	93,813	$	—	$	(406	)	$	(406	)

^(a)  As of March 31, 2013, the Company had no gross amounts of recognized derivative instruments that the Company makes an accounting policy election not to offset. In addition, there is no financial collateral related to the Company’s derivatives. The Company has no liabilities that are subject to an enforceable master netting agreement or similar arrangement.

^(b)  Represents the fair value of forward currency exchange contracts, which is recorded in “Prepaid expenses and other assets” in the consolidated balance sheets.

20

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited) (Continued)

The following table presents information on the effect of derivative instruments on the consolidated results of operations and the Other Comprehensive Income (“OCI”) for the three months ended March 31, 2013 and 2012 (dollars in thousands):

	Gains (Losses) Recognized in Income					Gains Recognized in OCI				Gains (Losses) Reclassified From OCI into Income
	Three Months Ended					Three Months Ended				Three Months Ended
	March 31,					March 31,				March 31,
	2013		2012			2013		2012		2013		2012
Derivatives designated as hedges:
Interest rate contracts	$	—	$	—		$	—	$	12	$	—	$	—
Total	$	—	$	—		$	—	$	12	$	—	$	—
Non-designated derivatives:
Forward currency exchange contracts(a)	$	5,317	$	(2,910	)	$	—	$	—	$	—	$	—
Total	$	5,317	$	(2,910	)	$	—	$	—	$	—	$	—

^(a) The gains/(losses) on these derivatives substantially offset the (losses)/gains on the hedged portion of foreign intercompany balances.

21

ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.

The following discussion of financial condition, results of operations, liquidity and capital resources and certain factors that may affect future results, including economic and industry-wide factors, of Cash America International, Inc. and its subsidiaries (the “Company”) should be read in conjunction with the Company’s consolidated financial statements and accompanying notes included under Part I, Item 1 of this Quarterly Report on Form 10-Q, as well as with Management’s Discussion and Analysis of Financial Condition and Results of Operations included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2012.

GENERAL

The Company provides specialty financial services to individuals through retail services locations and through electronic distribution platforms known as e-commerce activities.

The Company offers secured non-recourse loans, commonly referred to as pawn loans. Pawn loans are short-term loans (generally 30 to 90 days) made on the pledge of tangible personal property. Pawn loan fees and service charges revenue is generated from the Company’s pawn loan portfolio. A related activity of the pawn lending operations is the disposition of collateral from unredeemed pawn loans and the liquidation of a smaller volume of merchandise purchased directly from customers or from third parties.

The Company originates, guarantees or purchases consumer loans (collectively referred to as “consumer loans” throughout this discussion). Consumer loans provide customers with cash, typically in exchange for an obligation to repay the amount advanced plus fees and any applicable interest. Consumer loans include short-term loans (commonly referred to as payday loans), line of credit accounts and installment loans.

Short-term loans include unsecured short-term loans written by the Company or by a third-party lender through the Company’s credit services organization programs (“CSO programs” as further described below) that the Company guarantees. Line of credit accounts include draws made through the Company’s line of credit product. Installment loans are longer-term multi-payment loans that generally require the pay-down of portions of the outstanding principal balance in multiple installments and include unsecured loans and auto equity loans, which are secured by a customer’s vehicle, that are written by the Company or by a third-party lender through the Company’s CSO programs that the Company guarantees.

Through the Company’s CSO programs the Company provides services related to a third-party lender’s consumer loan products in some markets by acting as a credit services organization or credit access business on behalf of consumers in accordance with applicable state laws. Services offered under the CSO programs include credit-related services such as arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents (“CSO loans”). Under the CSO programs, the Company guarantees consumer loan payment obligations to the third-party lender in the event that the customer defaults on the loan. CSO loans are not included in the Company’s financial statements, but the Company has established a liability for the estimated losses in support of the guarantee on these loans in its consolidated balance sheets.

In addition, the Company provides check cashing and other ancillary services through many of its retail services locations and through its franchised check cashing centers. The ancillary services provided mainly include money orders, wire transfers, prepaid debit cards, tax filing services and auto insurance. Most of these ancillary services are provided through third-party vendors.

The Company has two reportable operating segments: retail services and e-commerce. The retail services segment includes all of the operations of the Company’s Retail Services Division, which is composed of both domestic and foreign storefront locations that offer some or all of the following services: pawn loans, consumer loans, the purchase and sale of merchandise, check cashing and other ancillary services such as money orders, wire transfers, prepaid debit cards, tax filing services and auto insurance. Most of these ancillary services offered in the retail services segment are provided through third-party vendors. The e-commerce segment includes the operations of the Company’s E-Commerce Division, which is composed of the Company’s domestic and foreign online lending

22

channels through which the Company offers consumer loans. The Company reports corporate operations separately from its retail services and e-commerce segment information. Corporate operations primarily include corporate expenses, such as legal, occupancy, and other costs related to corporate service functions, such as executive oversight, insurance and risk management, public and government relations, internal audit, treasury, payroll, compliance and licensing, finance, accounting, tax and information systems (except for online lending systems, which are included in the e-commerce segment). Corporate income includes miscellaneous income not directly attributable to the Company’s segments. Corporate assets primarily include corporate property and equipment, nonqualified savings plan assets, marketable securities, foreign exchange forward contracts and prepaid insurance.

Retail Services Segment

The following table sets forth the number of domestic and foreign Company-owned and franchised locations in the Company’s retail services segment offering pawn lending, consumer lending, and other ancillary services as of March 31, 2013 and 2012. The Company’s domestic retail services locations operate under the names “Cash America Pawn,” “SuperPawn,” “Cash America Payday Advance,” “Cashland” and “Mr. Payroll.” In addition, certain recently acquired domestic retail services locations operate under various names that are expected to be changed to “Cash America Pawn” or “SuperPawn” during 2013. The Company’s foreign retail services locations operate under the name “Cash America casa de empeño.”

	As of March 31,
	2013						2012
	Domestic(a)		Foreign		Total		Domestic(a)(b)		Foreign		Total
Retail services locations offering:
Both pawn and consumer lending		580		-		580		574		-		574
Pawn lending only		167		47		214		127		193		320
Consumer lending only		81		-		81		85		-		85
Other (c)		91		-		91		101		-		101
Total retail services		919		47		966		887		193		1,080

^(a)  Except as described in (c) below, includes locations operating in 22 and 23 states in the United States as of March 31, 2013 and 2012, respectively.

^(b)  Includes one unconsolidated franchised location operating under the name “Cash America Pawn” as of March 31, 2012.

^(c)  As of March 31, 2013 and 2012, includes 91 and 95 unconsolidated franchised check cashing locations, respectively and as of March 31, 2012 includes six consolidated Company-owned check cashing locations. As of March 31, 2013 and 2012, includes locations operating in 15 and 16 states in the United States, respectively.

E-Commerce Segment

As of March 31, 2013 and 2012, the Company’s e-commerce segment operated in 32 states in the United States and in three other foreign countries:

• in the United States at http://www.cashnetusa.com and http://www.netcredit.com,

• in the United Kingdom at http://www.quickquid.co.uk and http://www.poundstopocket.co.uk,

• in Australia at http://www.dollarsdirect.com.au, and

• in Canada at http://www.dollarsdirect.ca.

As of March 31, 2013, the e-commerce segment also offered a line of credit product in Mexico under the trade name “Debit Plus.” The Company plans to cease offering this line of credit product in Mexico during the second quarter of 2013. The results of operations associated with this product are not material to the e-commerce segment or to the Company.

The Company’s internet websites and the information contained therein or connected thereto are not intended to be incorporated by reference into this Quarterly Report on Form 10-Q.

23

CRITICAL ACCOUNTING POLICIES

Since December 31, 2012, there have been no changes in critical accounting policies as described in the Company’s Annual Report on Form 10-K for the year ended December 31, 2012.

24

RESULTS OF CONTINUING OPERATIONS

Highlights

The Company’s financial results for the three months ended March 31, 2013 (the “current quarter”) are summarized below.

• Consolidated total revenue increased $10.6 million, or 2.3%, to $468.1 million for the current quarter compared to the three months ended March 31, 2012 (the “prior year quarter”).

• Consolidated net revenue increased $15.1 million, or 5.9%, to $271.9 million for the current quarter from $256.8 million for the prior year quarter. Consumer loan net revenue, which consists of consumer loan fees, net of consumer loan loss provision, increased 22.5%, or $24.9 million, in the current quarter compared to the prior year quarter. Net revenue from pawn-related activities, which is the sum of pawn loan fees and service charges and the net proceeds from the disposition of merchandise, decreased 6.8%, or $9.7 million, in the current quarter compared to the prior year quarter.

• Consolidated income from operations increased 7.7%, to $77.6 million, in the current quarter compared to the prior year quarter.

• Consolidated net income increased 5.9%, to $43.9 million, in the current quarter compared to the prior year quarter.

• Consolidated diluted net income per share increased 7.7% or, $0.10 per share, to $1.40 in the current quarter compared to $1.30 in the prior year quarter.

OVERVIEW

Consolidated Net Revenue

Consolidated net revenue is composed of total revenue less cost of disposed merchandise and consumer loan loss provision. Net revenue is the income available to satisfy all remaining expenses and is the measure management uses to evaluate top-line performance.

The following tables show the components of net revenue for the current quarter and prior year quarter by segment, for the Company’s corporate operations and on a consolidated basis (dollars in thousands):

	Three Months Ended March 31, 2013
	Retail Services					E-Commerce					Corporate					Consolidated
			% of					% of					% of					% of
	Amount		Total			Amount		Total			Amount		Total			Amount		Total
Pawn loan fees and service charges	$	75,914		48.2	%	$	-		-	%	$	-		-	%	$	75,914		27.9	%
Proceeds from disposition of merchandise, net of cost of disposed merchandise		57,382		36.5	%		-		-	%		-		-	%		57,382		21.1	%
Pawn related	$	133,296		84.7	%	$	-		-	%	$	-		-	%	$	133,296		49.0	%
Consumer loan fees, net of loss provision	$	21,544		13.7	%	$	113,809		99.6	%	$	-		-	%	$	135,353		49.8	%
Other revenue		2,593		1.6	%		448		0.4	%		251		100.0	%		3,292		1.2	%
Net revenue	$	157,433		100.0	%	$	114,257		100.0	%	$	251		100.0	%	$	271,941		100.0	%

25

	Three Months Ended March 31, 2012
		Retail Services				E-Commerce				Corporate				Consolidated
			% of				% of				% of				% of
		Amount	Total			Amount	Total			Amount	Total			Amount	Total
Pawn loan fees and service charges	$	72,899	42.6	%	$	-	-	%	$	-	-	%	$	72,899	28.4	%
Proceeds from disposition of merchandise, net of cost of disposed merchandise		70,062	41.0	%		-	-	%		-	-	%		70,062	27.3	%
Pawn related	$	142,961	83.6	%	$	-	-	%	$	-	-	%	$	142,961	55.7	%
Consumer loan fees, net of loss provision	$	24,906	14.6	%	$	85,551	99.8	%	$	-	-	%	$	110,457	43.0	%
Other revenue		3,011	1.8	%		159	0.2	%		196	100.0	%		3,366	1.3	%
Net revenue	$	170,878	100.0	%	$	85,710	100.0	%	$	196	100.0	%	$	256,784	100.0	%

For the current quarter, consolidated net revenue increased $15.1 million, or 5.9%, to $271.9 million from $256.8 million for the prior year quarter. Consumer loan net revenue accounted for 49.8% and 43.0% of total consolidated net revenue for the current quarter and prior year quarter, respectively. Consumer loan net revenue increased $24.9 million, to $135.4 million during the current quarter, mainly due to an increase in consumer loan fees that resulted from higher average consumer loan balances in the e-commerce segment and a decrease in the loss provision as a percentage of consumer loan fees.

Pawn-related net revenue accounted for 49.0% and 55.7% of total consolidated net revenue for the current quarter and prior year quarter, respectively. Pawn-related net revenue decreased $9.7 million, to $133.3 million during the current quarter, from $143.0 million in the prior year quarter. The decrease in pawn-related net revenue was primarily attributable to a decrease in gross profit, due to lower commercial sales, a decrease in gross profit margin on the disposition of merchandise from commercial sales and a decrease in foreign pawn loan fees and services charges due to lower pawn loan balances as a result of the reorganization of the Company’s Mexico-based pawn lending operations during 2012 (the “Mexico Reorganization”). This decrease was partially offset by an increase in pawn loan fees and service charges in the Company’s domestic operations, primarily due to an increase in pawn loan yield and higher average pawn loan balances.

Non-GAAP Disclosure

In addition to the financial information prepared in conformity with generally accepted accounting principles in the United States of America (“GAAP”), the Company provides historical non-GAAP financial information. Management believes that presentation of non-GAAP financial information is meaningful and useful in understanding the activities and business metrics of the Company’s operations. Management believes that these non-GAAP financial measures reflect an additional way of viewing aspects of the Company’s business that, when viewed with its GAAP results, provide a more complete understanding of factors and trends affecting its business.

Management provides non-GAAP financial information for informational purposes and to enhance understanding of the Company’s GAAP consolidated financial statements. Readers should consider the information in addition to, but not instead of or superior to, its financial statements prepared in accordance with GAAP. This non-GAAP financial information may be determined or calculated differently by other companies, limiting the usefulness of those measures for comparative purposes.

26

Adjusted Earnings and Adjusted Earnings Per Share

In addition to reporting financial results in accordance with GAAP, the Company has provided adjusted earnings and adjusted earnings per share, which are non-GAAP measures. Management believes that the presentation of these measures provides investors with greater transparency and facilitates comparison of operating results across a broad spectrum of companies with varying capital structures, compensation strategies, derivative instruments and amortization methods, which provides a more complete understanding of the Company’s financial performance, competitive position and prospects for the future. Management also believes that investors regularly rely on non-GAAP financial measures, such as adjusted earnings and adjusted earnings per share, to assess operating performance and that such measures may highlight trends in the Company’s business that may not otherwise be apparent when relying on financial measures calculated in accordance with GAAP.

The following table provides a reconciliation for the current quarter and the prior year quarter between net income attributable to the Company and diluted earnings per share calculated in accordance with GAAP to adjusted earnings and adjusted earnings per share, respectively, which are shown net of tax (dollars in thousands, except per share data):

	Three Months Ended March 31,
	2013				2012
	$		Per Diluted Share(a)		$			Per Diluted Share(a)
Net income and diluted earnings per share attributable to Cash America International, Inc.	$	43,926	$	1.40	$	41,467		$	1.30
Adjustments (net of tax):
Intangible asset amortization		832		0.03		738			0.02
Non-cash equity-based compensation		988		0.03		972			0.03
Convertible debt non-cash interest and issuance cost amortization		626		0.02		581			0.02
Foreign currency transaction loss (gain)		238		0.01		(54	)		-
Adjusted earnings and adjusted earnings per share	$	46,610	$	1.49	$	43,704		$	1.37

^(a)  Diluted shares are calculated by giving effect to the potential dilution that could occur if securities or other contracts to issue common shares were exercised and converted into common shares during the period.

27

Adjusted EBITDA

The table below shows adjusted EBITDA, a non-GAAP measure that the Company defines as earnings excluding depreciation, amortization, interest, foreign currency transaction gains or losses, equity in earnings or loss of unconsolidated subsidiary and provision for income taxes and including the net income or loss attributable to noncontrolling interests. Management believes adjusted EBITDA is used by investors to analyze operating performance and evaluate the Company’s ability to incur and service debt and its capacity for making capital expenditures. Adjusted EBITDA is also useful to investors to help assess the Company’s liquidity and estimated enterprise value. In addition, management believes that the adjustments shown below, especially the adjustments for charges related to events that occurred during the third and fourth quarters of 2012, such as the withdrawn proposed initial public offering (“IPO”) of the Company’s wholly-owned subsidiary, Enova International, Inc. (“Enova”), the Mexico Reorganization, and the voluntary reimbursements to Ohio customers (the “Ohio Reimbursements”) are useful to investors in order to allow them to compare the Company’s financial results for the current and prior year trailing 12 months. The computation of adjusted EBITDA as presented below may differ from the computation of similarly-titled measures provided by other companies (dollars in thousands):

	Trailing 12 Months Ended March 31,
		2013			2012
Net income attributable to Cash America International, Inc.	$	109,929		$	141,052
Adjustments:
Charges related to withdrawn proposed Enova IPO(a)		3,424			-
Charges related to Mexico Reorganization(b)		28,873			-
Charges related to Ohio Reimbursements(c)		13,400			-
Depreciation and amortization expenses		65,774	(d)		56,328
Interest expense, net		29,222			27,005
Foreign currency transaction loss		777			1,082
Equity in loss of unconsolidated subsidiary		289			217
Provision for income taxes		78,981	(e)		84,916
Net loss attributable to the noncontrolling interest		(4,866	)(f)		(1,150	)
Adjusted EBITDA	$	325,803		$	309,450
Adjusted EBITDA margin calculated as follows:
Total revenue	$	1,811,070		$	1,675,688
Adjusted EBITDA	$	325,803		$	309,450
Adjusted EBITDA as a percentage of total revenue		18.0	%		18.5	%

^(a)  Represents charges directly related to the proposed Enova IPO that was withdrawn in July 2012, before tax benefit of $1.3 million.

^(b)  Represents charges related to the Mexico Reorganization, before tax benefit of $1.2 million and noncontrolling interest of $2.3 million. Includes $12.6 million and $7.2 million of depreciation and amortization expenses and charges for the recognition of a deferred tax asset valuation allowance, respectively, as noted in (d) and (e) below.

^(c)  Represents charges related to the Ohio Reimbursements, before tax benefit of $5.0 million.

^(d)  Excludes $12.6 million of depreciation and amortization expenses, which are included in “Charges related to the Mexico Reorganization” in the table above.

^(e)  Excludes a $7.2 million charge for the recognition of a deferred tax asset valuation allowance, which is included in “Charges related to the Mexico Reorganization” in the table above. Includes an income tax benefit related to the Mexico Reorganization of $1.2 million.

^(f)  Includes $2.3 million of noncontrolling interests related to the Mexico Reorganization.

28

QUARTER ENDED MARCH 31, 2013 COMPARED TO QUARTER ENDED MARCH 31, 2012

Pawn Lending Activities

Pawn lending activities consist of pawn loan fees and service charges from the retail services segment during the period and the profit on disposition of collateral from unredeemed pawn loans, as well as the sale of merchandise acquired from customers directly or from third parties.

The following table sets forth selected data related to the Company’s pawn lending activities as of and for the three months ended March 31, 2013 and 2012 (dollars in thousands except where otherwise noted):

	2013						2012
Three Months Ended March 31,		Domestic		Foreign		Total		Domestic		Foreign		Total
Pawn loan fees and service charges	$	74,174	$	1,740	$	75,914	$	69,413	$	3,486	$	72,899
Average pawn loan balance outstanding	$	222,796	$	4,512	$	227,308	$	214,836	$	16,067	$	230,903
Amount of pawn loans written and renewed	$	215,376	$	13,093	$	228,469	$	205,454	$	37,396	$	242,850
Annualized yield on pawn loans		135.0%		156.4%		135.4%		129.9%		87.3%		127.0%
Average amount per pawn loan (in ones)	$	130	$	86	$	126	$	130	$	100	$	125
Gross profit margin on disposition of merchandise		32.4%		20.1%		32.1%		35.1%		9.7%		33.6%
Merchandise turnover		3.1		2.7		3.1		3.5		4.0		3.6
As of March 31,
Ending pawn loan balances	$	197,998	$	4,984	$	202,982	$	189,721	$	16,622	$	206,343
Ending merchandise balance, net	$	140,667	$	5,374	$	146,041	$	128,206	$	11,313	$	139,519

Pawn Loan Fees and Service Charges

Consolidated pawn loan balances as of March 31, 2013 were $203.0 million, which was $3.4 million, or 1.6%, lower than as of March 31, 2012, due primarily to the reduction in business activities in the Company’s foreign pawn operations in 2012 as a result of the Mexico Reorganization. The average consolidated balance of pawn loans outstanding during the current quarter decreased by $3.6 million, or 1.6%, compared to the prior year quarter.

Domestic Pawn Loan Balances

The average balance of domestic pawn loans outstanding during the current quarter increased by $8.0 million, or 3.7%, compared to the prior year quarter, primarily due to an increase in the loan balances as a result of the addition of 43 domestic retail services locations through organic growth and acquisitions since the prior year quarter, net of closures. The increase in average domestic pawn loan balances was partially offset by lower pawn loan balances in same-store domestic retail service locations in the current quarter compared to the prior year quarter.

Domestic pawn loan fees and service charges increased $4.8 million, or 6.9%, to $74.2 million in the current quarter from $69.4 million in the prior year quarter. The increase is mainly due to higher average domestic pawn loan balances during the current quarter. The annualized yield on domestic pawn loan balances increased to 135.0% in the current quarter compared to 129.9% in the prior year quarter, primarily due to lower forfeitures in the current quarter compared to the prior year quarter and a greater mix of pawn loans in markets with higher rates on pawn loans due to the addition of new domestic retail services locations acquired in late 2012.

Foreign Pawn Loan Balances

Pawn loan balances in foreign locations as of March 31, 2013 were $5.0 million, which was $11.6 million, or 70.0%, lower than as of March 31, 2012. The substantial decrease was due to the net closure of 148 Mexican-based pawn locations in the third and fourth quarters of 2012 in conjunction with the Mexico Reorganization. Consequently, foreign pawn loan fees and service charges decreased $1.8 million, or 50.1%, to $1.7 million in the current quarter from $3.5 million in the prior year quarter.

29

Proceeds from Disposition of Merchandise

Profit from the disposition of merchandise represents the proceeds received from the disposition of merchandise in excess of the cost of disposed merchandise, which is the Company’s cost basis in the loan or the amount paid for purchased merchandise. The following table summarizes the proceeds from the disposition of merchandise and the related profit for the current quarter and the prior year quarter (dollars in thousands):

	Three Months Ended March 31,
		2013									2012
		Retail			Commercial			Total			Retail			Commercial			Total
Proceeds from disposition	$	112,410		$	66,307		$	178,717		$	112,032		$	96,351		$	208,383
Gross profit on disposition	$	41,990		$	15,392		$	57,382		$	41,746		$	28,316		$	70,062
Gross profit margin		37.4	%		23.2	%		32.1	%		37.3	%		29.4	%		33.6	%
Percentage of total gross profit		73.2	%		26.8	%		100.0	%		59.6	%		40.4	%		100.0	%

The total proceeds from disposition of merchandise decreased $29.7 million, or 14.2%, in the current quarter compared to the prior year quarter. Total gross profit from the disposition of merchandise decreased $12.7 million, or 18.1%, during the current quarter compared to the prior year quarter. The overall gross profit margin percentage decreased to 32.1% in the current quarter compared to 33.6% in the prior year quarter. The consolidated merchandise turnover decreased to 3.1 times during the current quarter compared to 3.6 times in the prior year quarter, primarily due to a decrease in commercial sales in the current quarter compared to the prior year quarter. Commercial merchandise typically has a higher turnover rate than retail merchandise.

Proceeds from retail dispositions of merchandise increased $0.4 million, or 0.3%, during the current quarter compared to the prior year quarter. Proceeds from retail dispositions in domestic retail operations increased $1.8 million, primarily due to the addition of retail services locations through organic growth and acquisitions. Offsetting this increase was a $1.4 million decrease in retail sales proceeds from foreign retail operations, mainly due to the closure of a substantial number of locations in Mexico as part of the Mexico Reorganization. Consolidated gross profit from retail dispositions increased $0.2 million, which was composed of a $0.5 million increase from domestic operations and a $0.3 million decrease from foreign operations. The consolidated gross profit margin on the retail disposition of merchandise remained relatively flat at 37.4% in the current quarter compared to 37.3% in the prior year quarter.

Proceeds from commercial dispositions decreased $30.0 million, or 31.2%, during the current quarter compared to the prior year quarter. Proceeds from commercial dispositions at domestic operations decreased by $23.7 million, primarily due to a decrease in the volume of gold sold, mainly due to a decrease in goods available for sale as a result of lower amounts of jewelry forfeitures of collateral and lower amounts purchased directly from customers. Foreign operations contributed $6.3 million of the decrease, primarily due to the closure of a substantial number of locations in Mexico as part of the Mexico Reorganization. Consolidated gross profit from commercial dispositions decreased $12.9 million, mainly due to lower gross profit at domestic operations. Approximately half of the decrease in consolidated gross profit was due to the decrease in the volume of gold sold, and approximately half was due to the higher cost of gold sold relative to the market price per ounce of gold sold, which also led to a lower gross profit margin. The consolidated gross profit margin on commercial sales decreased to 23.2% in the current quarter compared to 29.4% in the prior year quarter.

Management expects that total gross profit margin on commercial dispositions to be lower than current levels in future periods, due to lower prevailing market prices for gold compared to the prior year. Management also expects the potential for lower levels of gross profit margin on retail dispositions, particularly in some categories such as consumer electronics, which could reduce margins in future periods.

30

The table below summarizes the age of merchandise held for disposition related to the Company’s pawn operations before valuation allowance of $0.9 million and $0.7 million as of March 31, 2013 and 2012, respectively (dollars in thousands):

	As of March 31,
	2013			2012
		Amount	%		Amount	%
Jewelry - held for one year or less	$	85,344	58.1	$	87,597	62.5
Other merchandise - held for one year or less		52,852	36.0		46,250	33.0
Total merchandise held for one year or less		138,196	94.1		133,847	95.5
Jewelry - held for more than one year		3,199	2.2		2,708	1.9
Other merchandise - held for more than one year		5,497	3.7		3,664	2.6
Total merchandise held for more than one year		8,696	5.9		6,372	4.5
Total merchandise held for disposition	$	146,892	100.0	$	140,219	100.0

Consumer Loan Activities

Consumer Loan Fees

Consumer loan fees increased $37.4 million, or 21.6%, to $210.2 million in the current quarter compared to $172.8 million in the prior year quarter. The increase in consumer loan fees is primarily due to growth in the e-commerce segment, with domestic e-commerce operations contributing $21.5 million and foreign e-commerce operations contributing $16.9 million of the consolidated increase. Offsetting the increase from the e-commerce segment was a $1.0 million decrease in consumer loan fees in the retail services segment.

Consumer loan fees from the foreign component of the e-commerce segment were 50.2% of consumer loan fees for the e-commerce segment and 43.4% of consolidated consumer loan fees in the current quarter, compared to 51.8% of the e-commerce segment and 43.0% of consolidated consumer loan fees in the prior year quarter.

Consumer Loan Loss Provision

The consumer loan loss provision increased by $12.5 million, or 20.0%, to $74.9 million in the current quarter from $62.4 million in the prior year quarter. The loss provision as a percentage of consumer loan fees decreased to 35.6% in the current quarter compared to 36.1% in the prior year quarter, primarily due to a decrease in the loss provision as a percentage of consumer loan fees in the Company’s foreign e-commerce operations, as the loan portfolio is beginning to have a higher percentage of customers with established payment histories. This decrease was partially offset by an increase in the loss provision as a percentage of consumer loan fees at the Company’s retail services operations and domestic e-commerce portfolios. Management expects that future loss rates will continue to be influenced by the mix of new customers to existing customers (because new customers tend to have a higher risk of default than customers with a history of successfully repaying loans) and the mix of short-term, line of credit and longer-term consumer loan products in the Company’s domestic and foreign operations.

31

The following table sets forth consumer loan fees by segment, adjusted for the deduction of the consumer loan loss provision for the current quarter and the prior year quarter (dollars in thousands):

	Three Months Ended March 31,
	2013						2012
	Retail Services		E-Commerce		Total		Retail   Services		E-Commerce		Total
Interest and fees on short-term loans	$	25,207	$	115,008	$	140,215	$	26,911	$	109,731	$	136,642
Interest and fees on line of credit accounts		-		23,234		23,234		-		11,651		11,651
Interest and fees on installment loans		3,115		43,641		46,756		2,461		22,086		24,547
Consumer loan fees	$	28,322	$	181,883	$	210,205	$	29,372	$	143,468	$	172,840
Consumer loan loss provision		6,778		68,074		74,852		4,466		57,917		62,383
Consumer loan fees, net of loss provision	$	21,544	$	113,809	$	135,353	$	24,906	$	85,551	$	110,457
Year-over-year change - $	$	(3,362)	$	28,258	$	24,896	$	2,254	$	24,576	$	26,830
Year-over-year change - %		(13.5)%		33.0%		22.5%		10.0%		40.3%		32.1%
Consumer loan loss provision as a % of consumer loan fees		23.9%		37.4%		35.6%		15.2%		40.4%		36.1%

Combined Consumer Loans

In addition to reporting consumer loans owned by the Company and consumer loans guaranteed by the Company, which are either GAAP items or disclosures required by GAAP, the Company has provided combined consumer loans, which is a non-GAAP measure. In addition, the Company has reported consumer loans written and renewed, which is statistical data that is not included in the Company’s financial statements. The Company also reports allowances and liabilities for estimated losses on consumer loans individually and on a combined basis, which are GAAP measures that are included in the Company’s financial statements.

Management believes these measures provide investors with important information needed to evaluate the magnitude of potential loan losses and the opportunity for revenue performance of the consumer loan portfolio on an aggregate basis. Management believes the comparison of the aggregate amounts from period to period is more meaningful than comparing only the residual amount on the Company’s balance sheet since both revenue and the loss provision for loans are impacted by the aggregate amount of loans owned by the Company and those guaranteed by the Company as reflected in its financial statements.

Consumer Loan Balances

The outstanding combined portfolio balance of consumer loans, net of allowances and liability for estimated losses, increased $52.7 million, or 21.7%, to $295.6 million as of March 31, 2013 from $242.9 million as of March 31, 2012, primarily due to increased demand for the installment loan product from the e-commerce segment in both domestic and foreign markets and the domestic line of credit product in the e-commerce segment.

The combined consumer loan balance includes $331.5 million and $259.1 million as of March 31, 2013 and 2012, respectively, of Company-owned consumer loan balances before the allowance for losses of $77.7 million and $58.7 million provided in the consolidated financial statements for March 31, 2013 and 2012, respectively. The combined loan balance also includes $43.9 million and $44.5 million as of March 31, 2013 and 2012, respectively, of consumer loan balances that are guaranteed by the Company, which are not included in the Company’s financial statements, before the liability for estimated losses of $2.1 million and $2.0 million provided in the consolidated financial statements for March 31, 2013 and 2012, respectively.

32

The following table summarizes consumer loan balances outstanding as of March 31, 2013 and 2012 (dollars in thousands):

	As of March 31,
	2013									2012
	Company Owned(a)			Guaranteed by the Company(a)			Combined(b)			Company Owned(a)			Guaranteed by the Company(a)			Combined(b)
Ending consumer loan balances:
Retail Services
Short-term loans	$	38,747		$	4,774		$	43,521		$	38,852		$	6,239		$	45,091
Installment loans		9,667			9,130			18,797			7,859			6,043			13,902
Total Retail Services, gross		48,414			13,904			62,318			46,711			12,282			58,993
E-Commerce
Domestic
Short-term loans		28,278			29,592			57,870			28,252			28,771			57,023
Line of credit accounts		36,955			-			36,955			20,115			-			20,115
Installment loans		40,292			-			40,292			22,283			-			22,283
Total Domestic, gross		105,525			29,592			135,117			70,650			28,771			99,421
Foreign
Short-term loans		100,703			410			101,113			96,714			3,450			100,164
Installment loans		76,826			-			76,826			45,003			-			45,003
Total Foreign, gross		177,529			410			177,939			141,717			3,450			145,167
Total E-Commerce, gross		283,054			30,002			313,056			212,367			32,221			244,588
Total ending loan balance, gross		331,468			43,906			375,374			259,078			44,503			303,581
Less: Allowance and liabilities for losses		(77,667	)		(2,095	)		(79,762	)		(58,713	)		(1,993	)		(60,706	)
Total ending loan balance, net	$	253,801		$	41,811		$	295,612		$	200,365		$	42,510		$	242,875
Allowance and liability for losses as a % of consumer loan balances, gross(c)		23.4	%		4.8	%		21.2	%		22.7	%		4.5	%		20.0	%

^(a)  GAAP measure. The consumer loan balances guaranteed by the Company represent loans originated by third-party lenders through the CSO programs, so these balances are not recorded in the Company’s financial statements. However, the Company has established a liability for estimated losses in support of its guarantee of these loans, which is reflected in the table above and included in its consolidated balance sheets.

^(b)  Except for allowance and liability for estimated losses, amounts represent non-GAAP measures.

^(c)  The allowance and liability for losses as a percentage of combined consumer loan balances is a non-GAAP measure.

Consumer Loans Written and Renewed

The amount of combined consumer loans written and renewed was $825.9 million in the current quarter, an increase of $52.9 million, or 6.8%, from $773.0 million in the prior year quarter, mainly due to an increase in demand for line of credit products in domestic markets and installment loan products in domestic and foreign markets in the e-commerce segment.

Where permitted by law, a customer may choose to renew a short-term loan contract or extend the due date on a short-term loan before it is considered delinquent by agreeing to pay the current finance charge for the right to make a later payment of the outstanding principal balance plus an additional finance charge. In addition, in some instances, customers agree to repay a new short-term loan in two or three payments, and in these cases the Company considers the obligation to make the first payment a new loan and the obligation to make the second and third payments renewals or extensions of that loan because the customer pays the finance charge due at the time of each payment, similar to a loan that has been renewed or extended. All references to renewals include both renewals and extensions made by customers to their existing short-term loans.

33

The following table summarizes the consumer loans written and renewed for the current quarter and the prior year quarter (dollars in thousands):

	Three Months Ended March 31,
	2013						2012
	Company Owned(a)		Guaranteed by the Company(a)(b)		Combined(a)		Company Owned(a)		Guaranteed by the Company(a)(b)		Combined(a)
Amount of consumer loans written and renewed (dollars in thousands):
Retail Services
Short-term loans	$	171,920	$	28,326	$	200,246	$	175,674	$	37,367	$	213,041
Installment loans		1,446		3,712		5,158		1,511		1,860		3,371
Total Retail Services		173,366		32,038		205,404		177,185		39,227		216,412
E-Commerce
Domestic
Short-term loans		72,628		174,266		246,894		81,681		162,282		243,963
Line of credit accounts		28,806		-		28,806		18,377		-		18,377
Installment loans		24,671		-		24,671		11,266		-		11,266
Total Domestic		126,105		174,266		300,371		111,324		162,282		273,606
Foreign
Short-term loans		266,327		13,232		279,559		240,521		17,797		258,318
Installment loans		40,585		-		40,585		24,683		-		24,683
Total Foreign		306,912		13,232		320,144		265,204		17,797		283,001
Total E-Commerce		433,017		187,498		620,515		376,528		180,079		556,607
Total amount of consumer loans written and renewed	$	606,383	$	219,536	$	825,919	$	553,713	$	219,306	$	773,019
Number of consumer loans written and renewed (in ones):
Retail Services
Short-term loans		355,313		53,989		409,302		369,384		66,731		436,115
Installment loans		1,396		634		2,030		1,537		277		1,814
Total Retail Services		356,709		54,623		411,332		370,921		67,008		437,929
E-Commerce
Domestic
Short-term loans		243,248		235,222		478,470		245,444		219,126		464,570
Line of credit accounts		111,651		-		111,651		70,941		-		70,941
Installment loans		23,185		-		23,185		10,015		-		10,015
Total Domestic		378,084		235,222		613,306		326,400		219,126		545,526
Foreign
Short-term loans		466,904		17,316		484,220		452,203		23,355		475,558
Installment loans		33,075		-		33,075		21,782		-		21,782
Total Foreign		499,979		17,316		517,295		473,985		23,355		497,340
Total E-Commerce		878,063		252,538		1,130,601		800,385		242,481		1,042,866
Total number of consumer loans written and renewed		1,234,772		307,161		1,541,933		1,171,306		309,489		1,480,795

   ^(a) The disclosure regarding the amount and number of consumer loans written and renewed is statistical data that is not included in the Company’s financial statements.

   ^(b) Loans guaranteed by the Company represent loans originated by third-party lenders through the CSO programs.

34

The average amount per consumer loan is calculated as the total amount of combined consumer loans written and renewed for the period divided by the total number of combined consumer loans written and renewed for the period. The following table shows the average loan amount per consumer by product for the current quarter compared to the prior year quarter:

	Three Months Ended March 31,
	2013		2012
Average amount per consumer loan (in ones)(a)
Retail Services
Short-term loans	$	489	$	488
Installment loans		2,541		1,858
E-Commerce
Domestic
Short-term loans	$	516	$	525
Line of credit accounts		258		259
Installment loans		1,064		1,125
Foreign
Short-term loans	$	577	$	543
Installment loans		1,227		1,133
Consolidated
Short-term loans	$	530	$	520
Line of credit accounts		258		259
Installment loans		1,208		1,170
Total consumer loans		536		522

^(a)  The disclosure regarding the average amount per consumer loan is statistical data that is not included in the Company’s financial statements.

The average amount per consumer loan increased slightly to $536 from $522 during the current quarter compared to the prior year quarter, due largely to an increase in longer-term multi-payment installment loans in foreign markets, which typically have a larger average loan amount than short-term loans. Management expects the average amount per consumer loan to increase throughout 2013 due to the continued growth in installment lending.

Consumer Loans Written to New and Existing Customers in the E-commerce Segment

For its e-commerce segment, the Company measures the amount and number of consumer loans written and renewed that are Company-owned or guaranteed by the Company, as well as the mix between transactions with new customers and existing customers with whom it has a previous relationship. The amount and number of loans written to new customers reflect the Company’s ability to acquire customers through its marketing programs and by providing new products, in addition to its ability to enter new markets. The amount and number of loans written to existing customers reflect the Company’s ability to retain its customer base through high levels of customer service and customer satisfaction with the products offered by the Company. Loans written to existing customers include both loans with customers who have borrowed from the Company’s e-commerce segment before, either in the current year or in prior years (including customers who may have borrowed through different consumer loan products or brands offered by the e-commerce segment), and loan renewals.

35

The following table shows, for the e-commerce segment, loans written and renewed to new customers and to existing customers for the current quarter and prior year quarter (dollars in thousands):

	Three Months Ended March 31,
	2013									2012
	Company Owned(a)			Guaranteed by the Company(a)(b)			Combined(a)			Company Owned(a)			Guaranteed by the Company(a)(b)			Combined(a)
Amount of consumer loans written and renewed to:
New customers	$	55,124		$	10,533		$	65,657		$	43,942		$	10,538		$	54,480
% of total		8.9	%		1.7	%		10.6	%		7.9	%		1.9	%		9.8	%
Existing customers		377,893			176,965			554,858			332,586			169,541			502,127
% of total		60.9	%		28.5	%		89.4	%		59.7	%		30.5	%		90.2	%
Total amount of consumer loans written and renewed	$	433,017		$	187,498		$	620,515		$	376,528		$	180,079		$	556,607
Number of consumer loans written and renewed to (in ones):
New customers		112,414			18,981			131,395			103,406			18,775			122,181
% of total		9.9	%		1.7	%		11.6	%		9.9	%		1.8	%		11.7	%
Existing customers		765,649			233,557			999,206			696,979			223,706			920,685
% of total		67.7	%		20.7	%		88.4	%		66.8	%		21.5	%		88.3	%
Total number of consumer loans written and renewed		878,063			252,538			1,130,601			800,385			242,481			1,042,866

   ^(a) The disclosure regarding the amount and number of consumer loans written and renewed is statistical data that is not included in the Company’s financial statements.

   ^(b) Loans guaranteed by the Company represent loans originated by third-party lenders through the CSO programs.

Consumer Loan Loss Experience

The Company monitors the performance of its consumer loan portfolio and maintains either an allowance or liability for estimated losses on consumer loans (including fees and interest) at a level estimated to be adequate to absorb credit losses inherent in the portfolio. The allowance for losses on the Company’s owned consumer loans reduces the outstanding loan balance in the consolidated balance sheets. The liability for estimated losses related to loans guaranteed by the Company under its CSO programs, which approximates the fair value of the liability, is included in “Accounts payable and accrued expenses” in the consolidated balance sheets.

The combined allowance and liability for estimated losses as a percentage of combined consumer loans and fees receivable increased for the current quarter to 21.2% from 20.0% in the prior year quarter, primarily due to an increase in installment loans and line of credit accounts in the e-commerce segment, as discussed in the “Consumer loan loss provision” section above.

The consumer loan loss provision for the current quarter and the prior year quarter was $74.9 million and $62.4 million, respectively, which was composed of $76.3 million and $63.5 million related to the Company-owned consumer loans, respectively, offset by $1.4 million and $1.1 million related to loans guaranteed by the Company through the CSO programs, respectively. Consolidated charge-offs, net of recoveries, were $84.3 million and $67.8 million in the current year quarter and prior year quarter, respectively.

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The following table shows consumer loan balances and fees and the relationship of the allowance for losses to the combined balances of consumer loans for each of the last five quarters (dollars in thousands):

	2012												2013
	First Quarter			Second Quarter			Third Quarter			Fourth Quarter			First Quarter
Consumer loan balances and fees receivable:
Gross - Company owned	$	259,078		$	296,938		$	336,071		$	375,121		$	331,468
Gross - Guaranteed by the Company(a)		44,503			53,985			55,271			64,736			43,906
Combined consumer loans and fees receivable, gross(b)	$	303,581		$	350,923		$	391,342		$	439,857		$	375,374
Allowance and liability for losses on consumer loans		60,706			73,366			82,683			89,201			79,762
Combined consumer loans and fees receivable, net(b)	$	242,875		$	277,557		$	308,659		$	350,656		$	295,612
Allowance and liability for losses as a % of combined consumer loans and fees receivable, gross(b)		20.0	%		20.9	%		21.1	%		20.3	%		21.2	%

^(a)  Represents loans originated by third-party lenders through the CSO programs, which are not included in the Company’s financial statements.

^(b)  Non-GAAP measure.

Due to the nature of the short-term loan product and the high velocity of loans written and renewed, seasonal trends are evidenced in quarter-to-quarter performance. In the typical business cycle, the combined consumer loan loss provision as a percent of combined consumer loans written and renewed is usually lowest in the first quarter and increases throughout the year, with the final two quarters generally combining for the peak levels of loss provision expense. The loss provision as a percentage of combined consumer loans written and renewed increased to 9.1% in the current quarter compared to 8.1% in the prior year quarter, primarily due to installment and line of credit loans representing a higher proportion of the total combined loans written and renewed in the current quarter as compared to the prior year quarter. These loans generally have higher loss rates as a percentage of loans written than short-term loans.

The following tables show the Company’s loss experience relative to the volume of consumer loans for each of the last five quarters (dollars in thousands):

	2012												2013
	First Quarter			Second Quarter			Third Quarter			Fourth Quarter			First Quarter
Consumer loans written and renewed:(a)
Company owned	$	553,713		$	588,422		$	627,297		$	663,021		$	606,383
Guaranteed by the Company(b)		219,306			237,962			256,438			269,542			219,536
Combined consumer loans written and renewed	$	773,019		$	826,384		$	883,735		$	932,563		$	825,919
Combined consumer loan loss provision as a % of combined consumer loans written and renewed(a)		8.1	%		8.8	%		9.5	%		10.4	%		9.1	%
Charge-offs (net of recoveries) as a % of combined consumer loans written and renewed(a)		8.8	%		7.2	%		8.5	%		9.7	%		10.2	%
Combined consumer loan loss provision as a % of consumer loan fees		36.1	%		40.1	%		41.1	%		43.6	%		35.6	%

^(a)  The disclosure regarding the amount of consumer loans written and renewed is statistical data that is not included in the Company’s financial statements.

^(b)  Represents loans originated by third-party lenders through the CSO programs, which are not included in the Company’s financial statements.

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Total Expenses

The table below shows total expenses by segment, for corporate operations and by significant category for the current quarter and the prior year quarter (dollars in thousands):

	Three Months Ended March 31,
	2013								2012
	Retail Services		E-Commerce		Corporate		Total		Retail Services		E-Commerce		Corporate		Total
Operations and administration:
Personnel	$	54,130	$	25,575	$	11,509	$	91,214	$	58,010	$	20,288	$	13,118	$	91,416
Occupancy		26,872		2,472		1,101		30,445		26,071		1,856		1,058		28,985
Marketing		3,050		28,018		31		31,099		3,123		20,202		36		23,361
Other		10,253		9,517		4,296		24,066		12,249		8,193		5,951		26,393
Total operations and administration		94,305		65,582		16,937		176,824		99,453		50,539		20,163		170,155
Depreciation and amortization		9,200		4,443		3,888		17,531		8,260		2,875		3,486		14,621
Total expenses	$	103,505	$	70,025	$	20,825	$	194,355	$	107,713	$	53,414	$	23,649	$	184,776
Year-over-year change - $
Operations and administration	$	(5,148)	$	15,043	$	(3,226)	$	6,669	$	7,631	$	16,320	$	5,746	$	29,697
Depreciation and amortization		940		1,568		402		2,910		704		(65)		1,540		2,179
Total	$	(4,208)	$	16,611	$	(2,824)	$	9,579	$	8,335	$	16,255	$	7,286	$	31,876
Year-over-year change - %		(3.9%)		31.1%		(11.9%)		5.2%		8.4%		43.7%		44.5%		20.8%

Consolidated total expenses increased $9.6 million, or 5.2%, to $194.4 million in the current quarter compared to $184.8 million in the prior year quarter. Total expenses for the retail services segment decreased $4.2 million, or 3.9%, to $103.5 million during the current quarter compared to $107.7 million in the prior year quarter. Total expenses for the e-commerce segment increased $16.6 million, or 31.1%, to $70.0 million in the current quarter.

Operations and Administration Expenses

Operations and administration expense for the retail services segment decreased $5.1 million, or 5.2%, to $94.3 million during the current quarter compared to the prior year quarter. Personnel expense for the retail services segment decreased $3.9 million, or 6.7%, primarily due to lower short-term incentives and the reduction in business activities in the Company’s foreign pawn operations in 2012 as a result of the Mexico Reorganization. Occupancy expense, which includes rent, property taxes, insurance, utilities and maintenance, increased $0.8 million, or 3.1%, primarily due to normal rent increases, organic growth and the locations acquired during 2012. Other expenses decreased $2.0 million, primarily due to lower refining costs which are related to the disposition of commercial merchandise and lower underwriting costs related to a decrease in loans written in the current quarter.

Operations and administration expense for the e-commerce segment increased $15.0 million, or 29.8%, to $65.6 million during the current quarter compared to the prior year quarter. Personnel expense increased $5.3 million, or 26.1%, primarily due to incentive accruals due to strong performance and the addition of new personnel to support the e-commerce segment’s growth. Marketing expenses consist of online marketing costs, such as sponsored search and advertising on social networking sites, and other marketing costs such as television, radio and print advertising. In addition, marketing expenses include lead purchase costs paid to marketers in exchange for providing leads to potential customers interested in using the Company’s services. Marketing expenses increased $7.8 million, or 38.7%, to $28.0 million in the current quarter compared to the prior year quarter. The increase in other expenses was primarily due to an increase in loan underwriting and processing expenses.

Corporate administration expense decreased $3.2 million, or 16.0%, to $16.9 million in the current quarter, primarily due to a decrease in short-term incentives and expenses related to an abandoned acquisition opportunity in the prior year quarter.

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Depreciation and Amortization Expenses

Consolidated depreciation and amortization expenses increased $2.9 million, or 19.9%, primarily due to acquisitions in the third and fourth quarters of 2012 in the retail services segment and increased costs in the e-commerce segment as a result of increased capitalized software and equipment to support this segment’s growth. Depreciation and amortization expenses at the retail services segment increased $0.9 million, or 11.4%, to $9.2 million. Depreciation and amortization expenses at the e-commerce segment increased $1.6 million, or 54.5%, to $4.4 million. Depreciation and amortization expenses for corporate operations increased $0.4 million, or 11.5%, to $3.9 million.

Interest Expense

Interest expense increased $0.2 million, or 3.7%, to $7.4 million in the current quarter as compared to $7.2 million in the prior year quarter. During the current quarter, the average amount of debt outstanding increased $43.2 million, to $543.6 million from $500.4 million during the prior year quarter, primarily due to an increase in debt outstanding as a result of acquisitions that occurred during the third and fourth quarters of 2012. The Company’s effective blended borrowing cost remained flat at 4.9% in the current quarter compared to the prior year quarter. The Company incurred non-cash interest expense of $1.0 million in the current quarter from its Convertible Notes due 2029 (the “2009 Convertible Notes”).

Income Taxes

The Company’s effective tax rate decreased to 37.0% for the current quarter from 37.5% for the prior year quarter. The Company’s effective tax rate is affected by various items including tax rates in various jurisdictions and the relative amount of income earned in those jurisdictions, as well as other permanent items.

During 2012, the Company’s Mexico-based pawn operations that operated under the name Prenda Fácil were owned by Creazione Estilo, S.A. de C.V., a Mexican sociedad anónima de capital variable (“Creazione”). In January 2013, the Company’s remaining Mexico-based pawn operations were sold by Creazione to another wholly-owned subsidiary of the Company, CA Empeños Mexico, S. de R.L. de C.V., and began operating exclusively under the name “Cash America casa de empeño.” The Company intends to liquidate the remaining assets of Creazione, which are insignificant, in 2013. In connection with the final liquidation of Creazione, the Company intends to claim a worthless stock deduction for tax purposes on its 2013 federal income tax return for its tax basis in the stock of Creazione. The Company expects to realize an income tax benefit of $33.4 million as a result of the worthless stock deduction. During the current quarter, the Company recorded a $24.1 million income tax benefit associated with its remaining tax basis in the stock of Creazione. The Company had previously recorded an income tax benefit in the fourth quarter of 2012 of $9.3 million and an offsetting valuation allowance associated with the Company’s excess tax basis over its basis for financial purposes in the stock of Creazione. While the Company intends to treat the deduction as an ordinary loss, the Internal Revenue Service (“IRS”) could challenge the characterization of the loss. If the deduction is ultimately determined to be a capital loss, and the Company does not have sufficient capital gains to offset the loss, the tax benefit could be reversed. Consequently, the Company released the valuation allowance booked in 2012 of $9.3 million associated with the Creazione stock basis difference and recorded a $33.4 million liability for uncertain tax benefits. As a result, there was no impact on the income tax provision for the current quarter related to the Creazione worthless stock deduction.

The balance of the Company’s liability for unrecognized tax benefits as of March 31, 2013 was $35.3 million. The Company believes that it is reasonably possible that the entire amount of its unrecognized tax benefits will be recognized in 2013. The unrecognized tax benefit associated with the Creazione worthless stock deduction could be recognized in 2013 if the Company receives a favorable ruling on this matter. In addition, the Company’s unrecognized tax benefits associated with the pre-acquisition tax matters of Prenda Fácil could be recognized as a result of the lapse of the statute of limitations.

Net Loss Attributable to the Noncontrolling Interest

Net loss attributable to the noncontrolling interest decreased by $0.9 million for the current quarter compared to the prior year quarter. As of March 31, 2012, the Company’s Mexico-based pawn operations were owned by Creazione. Prior to September 26, 2012, the Company owned 80% of the outstanding stock of Creazione. On September 26, 2012, the Company acquired all outstanding shares of Creazione that were held by minority shareholders (approximately 20% of the outstanding shares), and, as a result, Creazione became a wholly-owned subsidiary of the Company as of that date. The purchase of this minority interest in Creazione was the primary reason for the decrease in net loss attributable to the noncontrolling interest. The Company intends to liquidate the remaining assets of Creazione in 2013. See “Income Taxes” above for further description of the liquidation of Creazione.

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LIQUIDITY AND CAPITAL RESOURCES

Cash Flows Highlights

The Company’s cash flows and other key indicators of liquidity are summarized as follows (dollars in thousands):

	Three Months Ended March 31,
	2013		2012
Cash flows provided by operating activities	$	178,561	$	136,513
Cash flows used in investing activities
Pawn activities	$	50,822	$	62,167
Consumer loan activities		(47,610)		(48,058)
Acquisitions		(213)		(4,184)
Property and equipment additions		(9,462)		(16,665)
Other investing		399		-
Total cash flows used in investing activities	$	(6,064)	$	(6,740)
Cash flows used in financing activities	$	(152,643)	$	(131,322)
Working capital	$	670,151	$	559,386
Current ratio		5.4  x		4.6  x
Merchandise turnover		3.1  x		3.6  x
Debt to Adjusted EBITDA ratio(a)		1.4   x		1.3  x

^(a)  Non-GAAP measure. See “Overview—Adjusted EBITDA” section above for a reconciliation of adjusted EBITDA to net income attributable to the Company.

Cash Flows from Operating Activities

Net cash provided by operating activities increased $42.1 million, or 30.8%, from $136.5 million in the prior year quarter to $178.6 million in the current quarter. The significant components of the increase in net cash provided by operating activities included a $4.8 million increase in cash provided by income taxes payable and a $2.9 million increase in cash provided by deferred income taxes payable, primarily related to lower payments for estimated taxes during the current quarter compared to the prior year quarter. Also contributing to the increase was a $2.8 million increase in cash provided from merchandise other than forfeited during the current quarter, which was primarily due to a decrease in merchandise purchased directly from customers. In addition, cash flows from operating activities included a $9.1 million decrease in the use of cash for accounts payable and accrued expenses, which was primarily due to lower incentive payments during the first quarter compared to the prior year quarter. Another component of the increase in cash provided by operating activities was a $12.5 million increase in the consumer loan loss provision, primarily as a result of growth in the e-commerce segment, and a $2.9 million increase in depreciation and amortization expenses, primarily related to acquisitions in the retail services segment in the third and fourth quarter of 2012, both of which are non-cash expenses. The increase in cash flows from operating activities also increased due to an increase of $3.4 million in net income.

In connection with the final liquidation of Creazione, the Company intends to take a worthless stock deduction for tax purposes on its 2013 federal income tax return for its tax basis in the stock of Creazione of approximately $33.4 million. Management believes that the deduction may be treated as an ordinary loss, which would reduce its cash taxes paid in 2013. However, if the deduction is determined to be a capital loss, and the Company does not have capital gains to offset the loss, the Company’s cash paid for income taxes will not be reduced. The Company is pursuing a Private Letter Ruling with the IRS to confirm that the deduction should be treated as an ordinary loss.

Management believes that its expected cash flows from operations and available cash balances and borrowings will be sufficient to fund the Company’s operating liquidity needs.

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Cash Flows from Investing Activities

Net cash used in investing activities decreased $0.6 million, or 10.0%, from $6.7 million in the prior year quarter to $6.1 million in the current quarter. During the current quarter, cash used for investing activities, including acquisitions, purchases of property and equipment and other investing activities, decreased by $11.6 million, primarily due to lower systems developments costs in both of the Company’s segments and lower acquisition costs in the current quarter. This was offset by a decrease in cash provided by pawn activities of $11.3 million, mainly due to a decrease in sales of forfeited merchandise through commercial channels and a decrease in loans written in the retail services segment.

Management anticipates that expenditures for property and equipment related to its domestic and foreign operations for the remainder of 2013 will be between $50 million and $60 million, excluding acquisitions, primarily for the remodeling of stores, facility upgrades, technology infrastructure and for the establishment of approximately 10 new retail services locations.

Cash Flows from Financing Activities

Net cash used by financing activities increased $21.3 million, or 16.2%, from $131.3 million in the prior year quarter to $152.6 million in the current quarter. This was primarily due to a $21.4 million increase in repurchases of shares of Company common stock through open market transactions pursuant to a 2013 authorization by the Company’s Board of Directors.

The Company’s debt agreements for its domestic and multi-currency line of credit and its senior unsecured notes require the Company to maintain certain financial ratios. As of March 31, 2013, the Company was in compliance with all covenants and other requirements set forth in its debt agreements. The Company’s domestic and multi-currency line of credit consists of a $380.0 million line of credit, which will decrease by $100.0 million to $280.0 million on May 29, 2013. As of March 31, 2013, the Company’s available borrowings under its domestic and multi-currency line of credit were $200.7 million. Management believes that the borrowings available under the Company’s domestic and multi-currency line of credit (including those available after May 29, 2013), anticipated cash generated from operations and current working capital of $670.2 million is sufficient to meet the Company’s anticipated capital requirements for its business. Should the Company experience a significant decline in demand for the Company’s products and services or other unexpected changes in financial condition, management would evaluate several alternatives to ensure that it is in a position to meet liquidity requirements. The Company’s strategies to generate additional liquidity may include the sale of assets, reductions in capital spending, changes to the issuance of debt or equity securities and/or its management of its current assets. The characteristics of the Company’s current assets, specifically the ability to rapidly liquidate gold jewelry inventory and adjust outflows of cash in its lending practices, gives the Company flexibility to quickly modify its business strategy to increase cash flow from its business, if necessary.

The Company had standby letters of credit of $16.3 million issued under its $20.0 million letter of credit facility as of March 31, 2013.

Share Repurchases

On January 24, 2013, the Board of Directors of the Company authorized a new share repurchase program for the repurchase of up to 2.5 million shares of its common stock and cancelled the Company’s previous share repurchase authorization from January 2011. During the current quarter, the Company purchased 435,000 shares in open market transactions under this authorization for a total investment of $21.8 million, including commissions. Management anticipates that it will periodically purchase shares under this authorization based on its assessment of market characteristics, the liquidity position of the Company and alternative prospects for the investment of capital to expand the business and pursue strategic objectives.

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Shelf Registration Statement

On August 24, 2012, the Company filed an automatic Shelf Registration Statement on Form S-3 (“the Shelf Registration Statement”) with the Securities and Exchange Commission (“SEC”) which permits the Company or its selling securityholders to offer from time to time shares of the Company’s common stock, par value $0.10 per share, debt securities, depositary shares, warrants, stock purchase contracts, units, and subscription rights as described in the accompanying prospectus. Pursuant to Rule 462(e) of the Securities Act of 1933, the Shelf Registration Statement became effective automatically upon filing with the SEC. Management believes the Shelf Registration Statement will provide the Company with additional flexibility with regard to potential financings that it may undertake when market conditions permit or the Company’s financial condition may require.

Off-Balance Sheet Arrangements

In certain markets, the Company arranges for consumers to obtain consumer loan products from one of several independent third-party lenders through the CSO programs. For consumer loan products originated by third-party lenders under the CSO programs, each lender is responsible for providing the criteria by which the consumer’s application is underwritten and, if approved, determining the amount of the consumer loan. The Company in turn is responsible for assessing whether or not the Company will guarantee such loans. When a consumer executes an agreement with the Company under the CSO programs, the Company agrees, for a fee payable to the Company by the consumer, to provide certain services to the consumer, one of which is to guarantee the consumer’s obligation to repay the loan received by the consumer from the third-party lender if the consumer fails to do so. The guarantee represents an obligation to purchase specific loans if they go into default, which generally have terms of less than 90 days. Secured auto equity loans, which are included in the Company’s installment loan portfolio, that are guaranteed typically have an average term of less than 24 months, with available terms of up to 42 months. As of March 31, 2013 and 2012, the gross amount of active consumer loans originated by third-party lenders under the CSO programs were $43.9 million and $44.5 million, respectively, which were guaranteed by the Company. The estimated fair value of the liability for estimated losses on consumer loans guaranteed by the Company was $2.1 million and $2.0 million as of March 31, 2013 and 2012, respectively.

Recent Regulatory Developments

Consumer Financial Protection Bureau

On April 24, 2013, the Consumer Financial Protection Bureau (the “CFPB”), which has regulatory, supervisory and enforcement powers over providers of consumer financial products and services, including providers of consumer loans such as the Company, issued a report entitled “Payday Loans and Deposit Advance Products,” indicating that it has “engaged in an in-depth review of short-term small dollar loans, including payday loans.” The report discusses the initial findings of the CFPB regarding short-term payday loans provided by non-bank financial institutions like the Company and deposit account advances offered by depository institutions. While the CFPB acknowledges the clear demand for small dollar credit products, it does express concern regarding the risk of sustained use of these products by some consumers. The report reiterated that the CFPB has authority to adopt rules identifying unfair, deceptive or abusive practices in connection with the offering of consumer financial products and services. The report also indicated that the CFPB’s review suggested that the potential for consumer harm and the data gathered in its review warrant further attention to protect consumers and stated that the CFPB expects to use its authorities to provide such protections. Additionally, the CFPB indicated that the report did not focus on online lending and that the CFPB plans to conduct a similar analysis of online payday loan usage.

Ohio Court Decision

On May 28, 2009, a subsidiary of the Company, Ohio Neighborhood Finance, Inc., doing business as Cashland (“Cashland”), filed a standard collections suit in an Elyria Municipal Court in Ohio against Rodney Scott seeking judgment against Mr. Scott in the amount of $570.16, which was the amount due under his loan agreement. Cashland’s loan was offered under the Ohio Mortgage Loan Act (the “OMLA”), which allows for interest at a rate of 25% per annum plus certain loan fees allowed by the statute. The Municipal Court held that short-term, single-payment consumer loans made by Cashland are not authorized under the OMLA, and instead should have been offered under the Ohio Short-Term Lender Law, which was passed by the Ohio legislature in 2008 for consumer loans with similar terms. Due to a cap on interest and loan fees at an amount that is less than permitted under the OMLA, the Company does not offer loans under the Ohio Short-Term Lender Law. On December 3, 2012, the Ohio Ninth District Court of Appeals affirmed the Municipal Court’s ruling in a 2-1 decision. Although this court decision is only legally binding in the Ninth District of Ohio, which includes four counties in northern Ohio where Cashland operates seven stores and where the Company has modified its short-term loan product in response to this decision, other Ohio courts may consider this decision.

On April 24, 2013, the Supreme Court of Ohio agreed to hear the Company’s appeal of the Ninth District Court’s decision. If the Ninth District Court’s decision is upheld by the Ohio Supreme Court on appeal, the Company’s Ohio operations may be adversely affected. The Company relies on the OMLA to make short-term loans in its retail services locations in Ohio, and if the Company is unable to continue making short-term loans under this law, it will have to alter its short-term loan product in Ohio. In addition, two lawsuits have been filed against the Company by customers in Ohio in purported class action complaints alleging that it improperly made loans under the OMLA, and the Company may in the future receive other claims.

Texas

The Company offers short-term consumer loans in Texas through its CSO programs in both its retail services segment and its e-commerce segment. On April 22, 2013, the Texas Senate passed a bill that, if enacted into law, would adversely affect the Company’s CSO program in Texas, including caps on fees and other restrictions. The bill remains to be considered by the Texas House of Representatives, and the Company does not know whether the bill will be passed by the Texas House of Representatives in its present form, whether amendments to the bill will be considered and passed by the Texas House of Representatives or whether any bill will be passed and if so, in what form. The Company is currently monitoring this legislation and its potential effects on the Company. If new legislation is enacted in the State of Texas, it could require the Company to alter its CSO program in Texas or discontinue offering the CSO program in Texas, which could have a material adverse effect on the Company’s operations, prospects, results of operations and financial condition.

UK Office of Fair Trading

The Company offers consumer loans over the internet in the United Kingdom where the Company must follow the Irresponsible Lending Guidance of the Office of Fair Trading (the “OFT”) and the Consumer Credit Act of 1974 that was amended by the Consumer Credit Act of 2006 (collectively, the “CCA”), among other rules and regulations. In February 2012, the OFT announced that it had launched a review of the payday lending sector in the United Kingdom to assess the sector’s compliance with the CCA, the OFT’s Irresponsible Lending Guidelines and other relevant guidance and legal obligations. The OFT had previously announced that this review could be used to assess a licensee’s fitness to hold a consumer credit license and could result in formal enforcement action where appropriate. The OFT announced the findings of its review during the first quarter of 2013 and enumerated a number of expectations it has for payday lenders related to affordability assessments, rollovers, advertising, debt collection and consumer disclosures, among other expectations. The Company is assessing these expectations and their effect, if any, on its business and operations. In addition, the OFT announced that it intends to seek an additional review of the payday lending industry by the U.K. Competition Commission.

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ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Market risks relating to the Company’s operations result primarily from changes in interest rates, foreign exchange rates, and gold prices. The Company does not engage in speculative or leveraged transactions, nor does it hold or issue financial instruments for trading purposes. There have been no material changes to the Company’s exposure to market risks since December 31, 2012.

ITEM 4. CONTROLS AND PROCEDURES

Under the supervision and with the participation of the Company’s Chief Executive Officer and Chief Financial Officer, management of the Company has evaluated the effectiveness of the design and operation of the Company’s disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, or the “Exchange Act”) as of March 31, 2013 (the “Evaluation Date”). Based upon that evaluation, the Chief Executive Officer and Chief Financial Officer concluded that, as of the Evaluation Date, the Company’s disclosure controls and procedures are effective and provide reasonable assurance (i) to ensure that information required to be disclosed in reports that the Company files or submits under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission rules and forms; and (ii) to ensure that information required to be disclosed in the reports that the Company files or submits under the Exchange Act is accumulated and communicated to management, including the Company’s Chief Executive Officer and Chief Financial Officer, to allow timely decisions regarding required disclosures.

There was no change in the Company’s internal control over financial reporting during the quarter ended March 31, 2013 that has materially affected, or is reasonably likely to materially affect, the Company’s internal control over financial reporting.

The Company’s management, including its Chief Executive Officer and Chief Financial Officer, does not expect that the Company’s disclosure controls and procedures or internal controls will prevent or detect all possible misstatements due to error or fraud. The Company’s disclosure controls and procedures and internal controls are, however, designed to provide reasonable assurance of achieving their objectives, and the Company’s Chief Executive Officer and Chief Financial Officer have concluded that the Company’s disclosure controls and procedures are effective at that reasonable assurance level.

PART II. OTHER INFORMATION

ITEM 1. LEGAL PROCEEDINGS

See Note 10 of Item 1 “Financial Statements.”

ITEM 1A. RISK FACTORS

There have been no material changes from the Risk Factors described in Part 1 “Item 1A. Risk Factors” of the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2012.

43

ITEM 2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

The following table provides the information with respect to purchases made by the Company of shares of its common stock, par value $0.10 per share, during each of the months in the first three months of 2013:

Period	Total Number of Shares Purchased(a)		Average Price Paid Per Share		Total Number of Shares Purchased as Part of Publicly Announced Plan (b)		Maximum Number of Shares that May Yet Be Purchased Under the Plan (b)
January 1 to January 31		10,608		$47.81		10,000		2,490,000
February 1 to February 28		302,147		$49.22		270,000		2,220,000
March 1 to March 31		155,000		$51.54		155,000		2,065,000
Total		467,755		$49.96		435,000

^(a)  Includes the following: shares withheld from employees as partial tax payments for shares issued under the Company’s stock-based compensation plans of 608 and 32,126 shares for the months of January and February, respectively; and the reinvestment of dividends in the Company’s nonqualified deferred compensation plan for its directors, which resulted in the purchase of 21 shares for the month of February.

^(b)  On January 24, 2013, the Board of Directors authorized the Company’s repurchase of up to a total of 2,500,000 shares of the Company’s common stock. This repurchase authorization cancelled and replaced the Company’s previous authorization for the repurchase of up to a total of 2,500,000 shares of the Company’s common stock that was approved by the Board of Directors on January 26, 2011.

ITEM 3. DEFAULTS UPON SENIOR SECURITIES

None.

ITEM 4. MINE SAFETY DISCLOSURES

Not applicable.

ITEM 5. OTHER INFORMATION

None.

44

ITEM 6. EXHIBITS

		Incorporated by Reference
Exhibit No.	Exhibit Description	Form		File No.		Exhibit		Filing Date		Filed   Herewith
10.1	Form of 2013 Long-Term Incentive Plan Award Agreement for Executive Officers under the Cash America International, Inc. First Amended and Restated 2004 Long-Term Incentive Plan, as amended (the “LTIP”)									X
10.2	2013 Long-Term Incentive Plan Award Agreement for the E-Commerce Division of Cash America International, Inc. under the LTIP, for an award to the Chief Executive Officer of the E-Commerce Division (1)									X
10.3	Summary of 2013 Terms and Conditions of the Cash America International, Inc. Short-Term Incentive Plan for Executive Officers under the Cash America International, Inc. First Amended and Restated Senior Executive Bonus Plan									X
10.4	Executive Employment Agreement between Cash America International, Inc., Cash America Management L.P. and Daniel R. Feehan dated April 2, 2013 to be effective May 1, 2013		8-K		001-09733		10.1		4-3-13
10.5	Letter Agreement between David A. Fisher and Cash America International, Inc. dated January 29, 2013		8-K		001-09733		10.1		1-31-13
10.6	2013 Long-Term Incentive Plan Award Agreement for One-Time Restricted Stock Unit Grant to David A. Fisher under the LTIP dated January 29, 2013		8-K		001-09733		10.2		1-31-13
10.7	Executive Change-in-Control Severance and Restrictive Covenant Agreement between Cash America International, Inc. and David A. Fisher dated January 29, 2013		8-K		001-09733		10.3		1-31-13
10.8	Continued Employment and Separation Agreement between Enova Financial Holdings, LLC, a subsidiary of Cash America International, Inc., and Timothy S. Ho dated January 29, 2013		8-K		001-09733		10.4		1-13-13
31.1	Certification of Chief Executive Officer									X
31.2	Certification of Chief Financial Officer									X
32.1	Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002									X
32.2	Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002									X
99.1	Cash America International, Inc. press release regarding Share Repurchase Authorization dated January 24, 2013		8-K		001-09733		99.2		1-24-13

45

		Incorporated by Reference
Exhibit No.	Exhibit Description	Form	File No.	Exhibit	Filing Date	Filed   Herewith
101.INS (2)	XBRL Instance Document					X(3)
101.SCH (2)	XBRL Taxonomy Extension Schema Document					X(3)
101.CAL (2)	XBRL Taxonomy Extension Calculation Linkbase Document					X(3)
101.DEF (2)	XBRL Taxonomy Extension Definition Linkbase Document					X(3)
101.LAB (2)	XBRL Taxonomy Label Linkbase Document					X(3)
101.PRE (2)	XBRL Taxonomy Extension Presentation Linkbase Document					X(3)

(1) Pursuant to 17 CFR 240.24b-2, portions of this exhibit have been omitted and have been filed separately with the Securities and Exchange Commission pursuant to a request for confidential treatment.

(2) Attached as Exhibit 101 to this report are the following formatted in XBRL (Extensible Business Reporting Language): (i) Consolidated Balance Sheets as of March 31, 2013, March 31, 2012 and December 31, 2012; (ii) Consolidated Statements of Income for the three months ended March 31, 2013 and March 31, 2012; (iii) Consolidated Statements of Equity as of March 31, 2013 and March 31, 2012; (iv) Consolidated Statements of Comprehensive Income for the three months ended March 31, 2013 and March 31, 2012; (v) Consolidated Statements of Cash Flows for the three months ended March 31, 2013 and March 31, 2012; and (vi) Notes to Consolidated Financial Statements.

(3) Submitted electronically herewith.

46

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

Date:       April 26, 2013	CASH AMERICA INTERNATIONAL, INC.
	By:	/s/ Thomas A. Bessant, Jr.
		Thomas A. Bessant, Jr.
		Executive Vice President and
		Chief Financial Officer
		(On behalf of the Registrant and as Principal Financial Officer)

47

EXHIBIT INDEX

		Incorporated by Reference
Exhibit No.	Exhibit Description	Form		File No.		Exhibit		Filing Date		Filed   Herewith
10.1	Form of 2013 Long-Term Incentive Plan Award Agreement for Executive Officers under the Cash America International, Inc. First Amended and Restated 2004 Long-Term Incentive Plan, as amended (the “LTIP”)										X
10.2	2013 Long-Term Incentive Plan Award Agreement for the E-Commerce Division of Cash America International, Inc. under the LTIP, for an award to the Chief Executive Officer of the E-Commerce Division (1)										X
10.3	Summary of 2013 Terms and Conditions of the Cash America International, Inc. Short-Term Incentive Plan for Executive Officers under the Cash America International, Inc. First Amended and Restated Senior Executive Bonus Plan										X
10.4	Executive Employment Agreement between Cash America International, Inc., Cash America Management L.P. and Daniel R. Feehan dated April 2, 2013 to be effective May 1, 2013		8-K		001-09733		10.1		4-3-13
10.5	Letter Agreement between David A. Fisher and Cash America International, Inc. dated January 29, 2013		8-K		001-09733		10.1		1-31-13
10.6	2013 Long-Term Incentive Plan Award Agreement for One-Time Restricted Stock Unit Grant to David A. Fisher under the LTIP dated January 29, 2013		8-K		001-09733		10.2		1-31-13
10.7	Executive Change-in-Control Severance and Restrictive Covenant Agreement between Cash America International, Inc. and David A. Fisher dated January 29, 2013		8-K		001-09733		10.3		1-31-13
10.8	Continued Employment and Separation Agreement between Enova Financial Holdings, LLC, a subsidiary of Cash America International, Inc., and Timothy S. Ho dated January 29, 2013		8-K		001-09733		10.4		1-13-13
31.1	Certification of Chief Executive Officer										X
31.2	Certification of Chief Financial Officer										X
32.1	Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002										X
32.2	Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002										X
99.1	Cash America International, Inc. press release regarding Share Repurchase Authorization dated January 24, 2013		8-K		001-09733		99.2		1-24-13

48

		Incorporated by Reference
Exhibit No.	Exhibit Description	Form	File No.	Exhibit	Filing Date	Filed   Herewith
101.INS (2)	XBRL Instance Document						X	(3)
101.SCH (2)	XBRL Taxonomy Extension Schema Document						X	(3)
101.CAL (2)	XBRL Taxonomy Extension Calculation Linkbase Document						X	(3)
101.DEF (2)	XBRL Taxonomy Extension Definition Linkbase Document						X	(3)
101.LAB (2)	XBRL Taxonomy Label Linkbase Document						X	(3)
101.PRE (2)	XBRL Taxonomy Extension Presentation Linkbase Document						X	(3)

(1) Pursuant to 17 CFR 240.24b-2, portions of this exhibit have been omitted and have been filed separately with the Securities and Exchange Commission pursuant to a request for confidential treatment.

(2) Attached as Exhibit 101 to this report are the following formatted in XBRL (Extensible Business Reporting Language): (i) Consolidated Balance Sheets as of March 31, 2013, March 31, 2012 and December 31, 2012; (ii) Consolidated Statements of Income for the three months ended March 31, 2013 and March 31, 2012; (iii) Consolidated Statements of Equity as of March 31, 2013 and March 31, 2012; (iv) Consolidated Statements of Comprehensive Income for the three months ended March 31, 2013 and March 31, 2012; (v) Consolidated Statements of Cash Flows for the three months ended March 31, 2013 and March 31, 2012; and (vi) Notes to Consolidated Financial Statements.

(3) Submitted electronically herewith.

49

EX-10.1

Exhibit 10.1

CASH AMERICA INTERNATIONAL, INC.

2013 LONG-TERM INCENTIVE PLAN AWARD AGREEMENT

This Long-Term Incentive Plan Award Agreement (the “Agreement”) is entered into as of the 14th day of February, 2013, by and between CASH AMERICA INTERNATIONAL, INC. (the “Company”) and                      (“Employee”).

W I T N E S S E T H:

WHEREAS, the Company has adopted the Cash America International, Inc. First Amended and Restated 2004 Long-Term Incentive Plan, as amended (the “Plan”), which is administered by the Management Development and Compensation Committee of the Company’s Board of Directors (the “Committee”); and

WHEREAS, pursuant to Section 4 and Section 9 of the Plan, the Committee has granted to Employee an award (the “Award”) of Restricted Stock Units to encourage Employee’s continued loyalty and diligence that consists of (a) an Award that shall vest under the terms of the Plan over a four-year period (the “Base Award”), and (b) an additional Award that shall vest, subject to the satisfaction of certain conditions specified in this Agreement and Exhibit “A” to this Agreement, on January 1, 2016 (the “Performance Award”);

WHEREAS, the Restricted Stock Units (“RSUs”) represent the unfunded and unsecured promise of the Company to issue to Employee an equivalent number of shares of the common stock of the Company or its successors (“Common Stock”) at a future date, subject to the terms of this Agreement.

NOW, THEREFORE, for and in consideration of the mutual promises herein contained, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows:

1. Award.

(a) General. Subject to the restrictions and other conditions set forth herein and in Exhibit “A” to this Agreement, the Company hereby grants to Employee the following Award:

i. a Base Award of                      RSUs; and

ii. a maximum Performance Award of                      RSUs (of such amount                      RSUs shall be considered the target Performance Award (the “Target Performance Award”) as further described on Exhibit “A”). The Performance Award is designated as a Qualified Performance-Based Award as defined in Section 2 of the Plan.

(b) Grant Date. The Award was awarded to Employee on February 14, 2013 (the “Grant Date”).

2. Vesting.

(a) Base Award Vesting. The Base Award shall vest as follows: Substantially equal 25% increments of the RSUs shall vest on each of the following dates as long as Employee remains continuously (i) employed by the Company or its subsidiaries or other affiliates, and/or (ii) a member of the Company’s Board of Directors (the “Board”), through the applicable vesting date: February 22, 2014; January 31, 2015; January 31, 2016, and January 31, 2017. Any RSUs that are part of the Base Award and have not vested shall remain subject to forfeiture under Section 3 of this Agreement.

(b) Performance Award Vesting. Subject to the terms and conditions specified on Exhibit “A,” the portion of the Performance Award payable hereunder, if any, shall vest on January 1, 2016 (“Performance Award Vesting Date”), as long as Employee remains continuously (i) employed by the Company or its subsidiaries or other affiliates, and/or (ii) a member of the Board, through said date, subject to receiving Committee Certification (as defined on Exhibit “A”). In addition, if Employee’s employment with the Company and all of its subsidiaries and affiliates and his service as a member of the Board terminates for any reason (including death) before the Performance Award Vesting Date and Employee’s age plus continuous tenure with the Company (as described in Section 3(e)) equals at least 65 years (as further described in Section 3(b) of this Agreement), then, subject to the terms and conditions specified on Exhibit “A,” the portion of the Performance Award payable hereunder, if any, shall vest subject (i) to receiving Committee Certification, and (ii) to the proration rules set forth in Section 3(b) of this Agreement.

3. Treatment of Award Upon Termination or Failure to Vest.

(a) Base Award Forfeiture. Upon Employee’s termination of employment with the Company and all of its subsidiaries and affiliates and his service as a member of the Board for any reason (including death), any portion of the Base Award that has not yet vested as provided in Section 2(a) of this Agreement shall be immediately forfeited, and Employee shall forfeit any and all rights in or to such unvested portion of the Base Award.

(b) Performance Award Proration and Forfeiture with Rule of 65. If Employee’s employment with the Company and all of its subsidiaries and affiliates and his service as a member of the Board terminates for any reason (including death) before the Performance Award Vesting Date and Employee’s age plus continuous tenure with the Company (as described in Section 3(e)) as of the later of Employee’s employment termination date or Employee’s termination of service from the Board equals 65 years or more:

i. Subject to the terms and conditions of Exhibit “A,” Employee shall be entitled to a prorated portion of any Performance Award (A) that receives the Committee Certification, and (B) that would have otherwise vested and been payable pursuant to this Agreement if Employee had remained employed by the Company and/or engaged as a Board member through the Performance Award Vesting Date. Such prorated portion shall be determined by multiplying the amount of the Performance Award that would have been payable to Employee, had Employee remained employed by the Company and/or engaged as a Board member through the Performance Award Vesting Date, by a fraction the numerator of which is equal to the number of whole calendar months following the Grant Date that Employee was actively employed by the Company and/or engaged as a Board member, and the denominator of which is equal to the number of whole calendar months following the Grant Date through December 31, 2015;

ii. The prorated portion of the vested Performance Award payable under this Section 3(b) shall be calculated as of the Performance Award Vesting Date, and shall be paid at the time specified under Section 4 of this Agreement; and

2

iii. Except for any prorated portion of the Performance Award that is determined in accordance with Section 3(b)(i) above and is certified by the Committee in accordance with the terms of Exhibit “A,” Employee shall forfeit any and all rights in or to the remaining unvested portion of the Performance Award.

(c) Performance Award Forfeiture without Rule of 65. If Employee’s employment with the Company and all of its subsidiaries and affiliates and his service as a member of the Board terminates for any reason (including death) before the Performance Award Vesting Date, and Employee’s age plus his continuous tenure with the Company (as described in Section 3(e)) as of the later of Employee’s employment termination date or Employee’s termination of service from the Board equals less than 65 years, then Employee shall forfeit all rights in or to any portion of the Performance Award.

(d) Performance Award Forfeiture—General. Any portion of the Performance Award that does not vest on or before the Performance Award Vesting Date as described hereinabove shall be forfeited, and Employee shall forfeit any and all rights in or to such unvested portion of the Performance Award.

(e) Tenure with the Company. For purposes of Sections 3(b) and 3(c) of this Agreement, Employee’s “tenure with the Company” shall be the number of whole years that Employee had been continuously (i) employed by the Company and all of its subsidiaries and/or (ii) a member of the Board on the most recent anniversary of the earlier to occur of Employee’s commencement of Employee’s employment or Employee’s commencement of service as a member of the Board.

4. Payment of Awards.

(a) General.

i. Except as provided in Section 4(b)(i) below, (A) as each 25%-portion of the Base Award vests, the Company shall instruct its transfer agent to issue a stock certificate evidencing the conversion of such vested RSUs into whole vested shares of Common Stock in the name of Employee (or if Employee has died, in the name of Employee’s designated beneficiary or, if no beneficiary has been designated, Employee’s estate (“Beneficiary”)) within a reasonable time after the vesting date of such 25%-portion of the Base Award, but (B) in no event will the Common Stock relating to the then-vesting portion of the Base Award be transferred to Employee (or, if applicable, to Employee’s Beneficiary) later than December 31 of the calendar year in which the vesting date for the then-vesting portion of the Base Award occurs. The Company shall not be required to deliver any fractional shares of Common Stock under the Award. Any fractional shares shall be rounded up to the next whole share.

ii. If any portion of the Performance Award vests and is certified by the Committee in accordance with the terms of Exhibit “A,” then, except as provided in Section 4(b)(ii) below, (A) the Company shall instruct its transfer agent to issue a stock certificate evidencing the conversion of all vested Performance Award RSUs certified by the Committee that have not been forfeited under Section 3 of this Agreement into whole vested shares of Common Stock in the name of Employee (or if Employee has died, in the name of Employee’s Beneficiary) within a reasonable time after the Committee Certification Date (as defined in Exhibit “A”), but (B) in no event

3

will the Common Stock relating to the vested portion of the Performance Award, as certified by the Committee, be transferred to Employee (or, if applicable, to Employee’s Beneficiary) later than March 15, 2017.

iii. The Company shall not be required to deliver any fractional shares of Common Stock under the Base Award or the Performance Award. Any fractional shares shall be rounded up to the next whole share.

(b) Deferred Delivery.

i. Employee may elect to defer the timing of the payment of the vested portions of the Base Award granted under this Agreement until the later of (A) the date Employee has a separation from service as an employee (within the meaning of Treasury Regulations Section 1.409A-1(h)(1); “Employment Separation from Service”) or (B) a specified date which may be either the applicable vesting date or a later date not later than January 31, 2017. For all portions of the Base Award granted under this Agreement, such deferral election must be made no later than February 22, 2013. For clarification purposes, the payment for any portions of the Base Award that vest following an Employment Separation from Service in accordance with this Agreement and are deferred in accordance with this Section 4(b)(i) will be paid in accordance with Section 4(b)(i)(B); provided, however, if Employee has not specified a date pursuant to Section 4(b)(i)(B), such date shall be deemed to be January 31, 2017.

ii. Employee may elect to defer but not accelerate the timing of the payment of the portion of the Performance Award granted under this Agreement that vests and is certified by the Committee in accordance with this Agreement, if any, until the later of (A) the date of Employee’s Employment Separation from Service, or (B) January 1, 2018. Such election must be made no later than February 22, 2013. For clarification purposes, if the Performance Award vests following an Employment Separation from Service in accordance with this Agreement and is deferred in accordance with this Section 4(b)(ii) the payment of the portion of the Performance Award granted under this Agreement that vests and is certified by the Committee in accordance with this Agreement, if any, will be paid in accordance with Section 4(b)(ii)(B).

iii. To the extent required under Code §409A and applicable guidance issued thereunder (“Code §409A”), if Employee is a specified employee (within the meaning of Code §409A) at the time Employee has an Employment Separation from Service and has elected to defer receipt of his Base Award and/or Performance Award, the shares of Common Stock transferable on a deferred basis as a result of Employee’s Employment Separation from Service for any reason other than Employee’s death shall not be issued before the date that is six months after Employee’s Employment Separation from Service or such earlier time (if any) as may be permitted under Code §409A. In the event of Employee’s death after he has elected to defer receipt of his Base Award and/or Performance Award, the shares of Common Stock relating to any and all outstanding RSUs that have not been forfeited under Section 3 of this Agreement will be issued in the name of Employee’s Beneficiary, as follows: (A) for the Base Award, upon the 60^th day after

4

Employee’s death, and (B) for any vested Performance Award certified by the Committee, by the latest to occur of (a) March 15, 2017, (b) December 31 of the year in which his death occurs, or (c) within 2 ¹/₂ months after his date of death.

5. Change in Control.

(a) Vesting and Payment. In the event of a Change in Control (as defined below) while Employee is still employed by the Company or its subsidiaries or other affiliates and/or serving as a member of the Board, vesting of the entire Award (both the Base Award and the maximum Performance Award) shall automatically accelerate and become 100% vested as of the date the Change in Control occurs as long as Employee has remained continuously employed through such date by the Company or by an entity that is a subsidiary or other affiliate of the Company on the day immediately preceding the date of the Change in Control and/or served as a member of the Board through such date. In such event, the shares of Common Stock evidencing vested RSUs shall be delivered to Employee in a lump sum within 60 days following the date of the Change in Control, notwithstanding any election made under Section 4(b) of this Agreement. A “Change in Control” shall mean an event that is a change in the ownership of the Company, a change in the effective control of the Company or a change in the ownership of a substantial portion of the assets of the Company, all as defined in Code §409A and guidance issued thereunder, except that 35% shall be substituted for 30% in applying Treasury Regulations Section 1.409A-3(i)(5)(vi) and 50% shall be substituted for 40% in applying Treasury Regulations Section 1.409A-3(i)(5)(vii). Notwithstanding the above, a “Change in Control” shall not include any event that is not treated under Code §409A as a change in control event with respect to Employee.

(b) Substitution. Notwithstanding anything set forth herein to the contrary, upon a Change in Control, the Committee, in its sole discretion, may, in lieu of issuing Common Stock, provide Employee with an equivalent amount payable in the form of cash.

6. Agreement of Employee. Employee acknowledges that certain restrictions under state or federal securities laws may apply with respect to the shares of Common Stock to be issued pursuant to the Award. Specifically, Employee acknowledges that, to the extent Employee is an “affiliate” of the Company (as that term is defined by the Securities Act of 1933), the shares of Common Stock to be issued as a result of the Award are subject to certain trading restrictions under applicable securities laws (including particularly the Securities and Exchange Commission’s Rule 144). Employee hereby agrees to execute such documents and take such actions as the Company may reasonably require with respect to state and federal securities laws and any restrictions on the resale of such shares which may pertain under such laws. Notwithstanding anything herein to the contrary and only to the extent permitted under Code §409A, a payment may be delayed to the extent the Company reasonably anticipates that making the payment will violate federal securities laws or other applicable laws.

7. Withholding. Upon the issuance of shares to Employee pursuant to this Agreement, Employee shall pay an amount equal to the amount of all applicable federal, state and local employment taxes which the Company is required to withhold at any time. Such payment may be made in cash or, with respect to the issuance of shares to Employee pursuant to this Agreement, by delivery of whole shares of Common Stock (including shares issuable under this Agreement) in accordance with Section 14(a) of the Plan and the terms of Code §409A.

5

8. Adjustment of Awards.

(a) If there is an increase or decrease in the number of issued and outstanding shares of Common Stock through the payment of a stock dividend or resulting from a stock split, a recapitalization, or a combination or exchange of shares of Common Stock, then the number of outstanding RSUs hereunder shall be adjusted so that the proportion of such Award to the Company’s total issued and outstanding shares of Common stock remains the same as existed immediately prior to such event.

(b) Except as provided in Section 8(a) of this Agreement, no adjustment in the number of shares of Common Stock subject to any outstanding portion of the RSUs shall be made upon the issuance by the Company of shares of any class of its capital stock or securities convertible into shares of any class of capital stock, either in connection with a direct sale or upon the exercise of rights or warrants to subscribe therefor, or upon the conversion of any other obligation of the Company that may be convertible into such shares or other securities.

(c) Upon the occurrence of events affecting Common Stock other than those specified in Sections 8(a) and 8(b) of this Agreement, the Committee may make such other adjustments to awards as are permitted under Section 5(c) of the Plan. This section shall not be construed as limiting any other rights the Committee may have under the terms of the Plan.

9. Clawback Provision. Pursuant to Section 14(m) of the Plan , in the event that the Company is required to materially restate its financial results due to the Company’s material noncompliance with any financial reporting requirement under Federal securities laws, excluding a material restatement of such financial results due solely to a change in generally accepted accounting principles in the United States or such other accounting principles that may be adopted by the Securities and Exchange Commission and are or become applicable to the Company, at any time before or within two years following the Performance Award Vesting Date as a result of fraud or intentional misconduct on the part of the Employee, the Committee may, in its discretion, (a) cancel the Performance Award, in whole or in part, whether or not vested (so long as shares of Common Stock have not yet been issued in accordance with Section 4(a)(ii) or Section 4(b)(ii) of this Agreement) and/or (b) require the Employee to repay to the Company an amount equal to all or any portion of the value of any or all of the shares that have been issued in accordance with Section 4(a)(ii) of this Agreement valued as of the Performance Award Vesting Date. Such cancellation or repayment obligation shall be effective as of the date specified by the Committee. Any repayment obligation may be satisfied in shares of Common Stock or cash or a combination thereof (based on the Fair Market Value of the shares of Common Stock on the date of repayment) and the Committee may provide for an offset to any future payments owed by the Company or any of its subsidiaries or affiliates to the Employee if necessary to satisfy the repayment obligation; provided, however, that if any such offset is prohibited under applicable law, the Committee shall not permit any offsets and may require immediate repayment by the Employee.

Notwithstanding the foregoing, to the extent required to comply with applicable law, any Clawback Policy and/or amendment to the Plan adopted by the Company after the date of this Agreement, the Company may unilaterally amend this Section 9, and any such amendment shall be made by providing notice of such amendment to Employee, and such amendment shall be binding on Employee; provided, regardless of whether the Company makes such a unilateral amendment to this Section 9 or provides such notice to Employee, this section shall be deemed consistent with any Clawback Policy and/or amendment to the Plan adopted by the Company after the date of this Agreement and Employee shall be bound thereby.

6

10. Plan Provisions.

In addition to the terms and conditions set forth herein, the Award is subject to and governed by the terms and conditions set forth in the Plan, as may be amended from time to time, which are hereby incorporated by reference. Any terms used herein with an initial capital letter shall have the same meaning as provided in the Plan, unless otherwise specified herein. In the event of any conflict between the provisions of the Agreement and the Plan, the Plan shall control.

11. Miscellaneous.

(a) Limitation of Rights. The granting of the Award and the execution of the Agreement shall not give Employee any rights to (1) similar grants in future years, (2) any right to be retained in the employ or service of the Company or any of its affiliates or subsidiaries, or (3) interfere in any way with the right of the Company or its affiliates or subsidiaries to terminate Employee’s employment or services at any time.

(b) Claims Procedure. Any dispute or claim for benefits by any person under this Agreement shall be determined by the Committee in accordance with the claims procedures under the Cash America International, Inc. Nonqualified Savings Plan.

(c) Shareholder Rights. Neither Employee nor Employee’s Beneficiary shall have any of the rights of a shareholder with respect to any shares of Common Stock issuable upon vesting of any portion of the Award, including without limitation a right to cash dividends or a right to vote, until (i) such portion of the Award is vested and, if applicable with respect to the Performance Award, certified by the Committee, and (ii) such shares have been delivered and issued to Employee or Employee’s Beneficiary pursuant to Section 4 of this Agreement.

(d) Severability. If any term, provision, covenant or restriction contained in the Agreement is held by a court or a federal regulatory agency of competent jurisdiction to be invalid, void or unenforceable, the remainder of the terms, provisions, covenants and restrictions contained in the Agreement shall remain in full force and effect, and shall in no way be affected, impaired or invalidated.

(e) Controlling Law. The Agreement is being made in Texas and shall be construed and enforced in accordance with the laws of that state.

(f) Construction. The Agreement and the Plan contain the entire understanding between the parties, and supersedes any prior understanding and agreements between them, representing the subject matter hereof. There are no representations, agreements, arrangements or understandings, oral or written, between and among the parties hereto relating to the subject matter hereof which are not fully expressed herein.

(g) Amendments to Comply With Code §409A. Notwithstanding the foregoing, if any provision of this Agreement would cause compensation to be includible in Employee’s income pursuant to Code §409A(a)(1), then the Company may amend the Agreement in such a way as to cause substantially similar economic results without causing such inclusion; any such amendment shall be made by providing notice of such amendment to Employee, and shall be binding on Employee.

(h) Headings. Section and other headings contained in the Agreement are for reference purposes only and are in no way intended to describe, interpret, define or limit the scope, extent or intent of the Agreement or any provision hereof.

7

(i) Heirs, Successors and Assigns. Each and all of the covenants, terms, provisions and agreements contained herein shall be binding upon and inure to the benefit of Employee’s heirs, legal representatives, successors and assigns.

(j) Execution/Acceptance. This Agreement may be executed and/or accepted electronically and/or executed in duplicate counterparts, the production of either of which (including a signature or proof of electronic acceptance) shall be sufficient for all purposes for the proof of the binding terms of this Agreement.

IN WITNESS WHEREOF, the parties hereto have executed the Agreement as of the day and year first set forth above.

CASH AMERICA INTERNATIONAL, INC.

By:                                                                                                                                           

EMPLOYEE *

* Electronic acceptance of this Award by Employee shall bind Employee by the terms of this Agreement pursuant to Section 11(j) of this Agreement.

8

EXHIBIT A

TERMS AND CONDITIONS OF PERFORMANCE AWARD

1. General. The amount of the Performance Award that will vest and be payable upon vesting shall be based on the Company achieving growth in its fully diluted earnings per share (“EPS”) over the three-year period ending December 31, 2015.

2. Target Performance Award and Maximum Performance Award. 100% of the Target Performance Award shall vest and be payable if the Company’s EPS achieves a compounded annual growth rate (“CAGR”) of 10% or more when comparing the base fully diluted EPS for the year ended December 31, 2012, determined as described in section 3(a) below ( the “Base EPS”), with the fully diluted EPS for the year ending December 31, 2015, adjusted as described in section 3(b) below, if applicable (the “2015 EPS”); 200% of the Target Performance Award (or the maximum Performance Award) shall vest and be payable if the Company’s EPS achieves a CAGR of 20% or more when comparing the Base EPS with the 2015 EPS.

3. Calculation of CAGR. The CAGR shall reflect the cumulative growth of the fully diluted EPS over the three-year period ending December 31, 2015. For purposes of computing CAGR, the Base EPS and the 2015 EPS shall be determined as described in this section 3.

(a) Base EPS. In the event that a spin-off of all or a portion of the common stock of Enova International, Inc. (“Enova”) and/or a public offering of all or a portion of the common stock of Enova is completed on or before December 31, 2015, and as a result of the Company’s reduction in ownership of Enova upon completion of such spin-off and/or public offering, the financial results of Enova and its subsidiaries for periods following the closing of such spin-off and/or public offering are not required to be consolidated with the financial results of the Company under generally accepted accounting principles in the United States or such other accounting principles that may be applicable to the Company (“Deconsolidating Enova Event”), the Base EPS shall be determined in accordance with the following schedule, based on the date of the closing of the Deconsolidating Enova Event:

If Closing of the Deconsolidating Enova Event Occurs	Base EPS Shall Be
On or before January 31, 2015	$1.30 per share
During February, 2015	$1.48 per share
During March, 2015	$1.65 per share
During April, 2015	$1.83 per share
During May, 2015	$2.01 per share
During June, 2015	$2.18 per share
During July, 2015	$2.36 per share
During August, 2015	$2.54 per share
During September, 2015	$2.71 per share
During October, 2015	$2.89 per share
During November, 2015	$3.07 per share
During December, 2015	$3.24 per share

In the event that an Enova Deconsolidating Event does not occur on or before December 31, 2015, the Base EPS shall be $3.42 per share.

(b) 2015 EPS. The 2015 EPS shall exclude all amounts of any after-tax gain or loss that exceeds $500,000 in a single transaction from either the deconsolidation of any subsidiary or the sale or write-off of (i) discontinued business operations (as defined under generally accepted accounting principles in the United States (“GAAP”)), (ii) any ownership interest in a subsidiary or other entity in which the Company or a subsidiary of the Company has an ownership interest of at least 10% before the transaction, or (iii) assets classified under GAAP as noncurrent assets (other than the noncurrent portion of any loans to customers). In the event that a Deconsolidating Enova Event occurs on or before December 31, 2015, the 2015 EPS shall exclude the Company’s equity in earnings of Enova, net of the Company’s income tax effect of such earnings. For purposes of computing any adjustments made under this subsection 3(b), income tax shall be computed using the Company’s 2015 consolidated effective income tax rate.

4. Adjustments. If there is an increase or decrease in the number of issued and outstanding shares of Common Stock through the payment of a stock dividend or resulting from a stock split, a recapitalization or a combination or exchange of shares of Common Stock, then the Base EPS used to calculate the amount of the Performance Award shall be adjusted to reflect such increase or decrease.

5. Vesting and Payment Amounts. The amount of the Performance Award that will vest and be payable (subject to Committee Certification, as described below) shall be determined as follows:

(a) The Company’s 2015 Adjusted EPS must achieve a CAGR of at least 7.5% in order for any amount of the Performance Award to vest and be payable; and with a CAGR of 10%, 100% of the Target Performance Award will vest and be payable (see the Performance Schedule in Paragraph 7 below).

(b) 200% of the Target Performance Award amount shall vest and be payable if the Company’s 2015 Adjusted EPS achieves a CAGR of 20% or more.

(c) If the Company’s 2015 Adjusted EPS achieves a CAGR of at least 7.5% but less than 20%, the amount of the Target Performance Award that will vest and be payable shall be determined in accordance with the Performance Schedule in Paragraph 7 below. (See also the examples in Paragraph 8 below.)

(d) No portion of the Performance Award will vest or be payable if the Company’s 2015 Adjusted EPS achieves a CAGR of less than 7.5%.

(e) For purposes of determining the amount of the Performance Award that will vest and be payable, CAGR shall be rounded to the nearest 0.1%; the calculated percentage of the amount of the Performance Award payable at vesting will be rounded to the nearest 1.0%; and any fractional share resulting from the calculation shall be rounded up to the next whole share.

6. Committee Certification. At its first regularly scheduled meeting (or, if later, at the first meeting held once the necessary EPS data has become available) following the Performance Award Vesting Date (which meeting is anticipated to occur during the last 14 days of January 2016), the Committee (or any successor thereto) shall determine the extent to which the conditions for the vesting of the Performance Award described in this Appendix (the “Performance Goals”) have been met and shall certify the portion of the Target Performance Award, if any, that has vested and is payable (“Committee Certification”). Such Performance Goals will be considered to have been met only to the extent that the Committee certifies in writing (within the meaning of Treasury Regulations Section 1.162-27(e)(5)) that they have been met. The Committee Certification shall certify as to the satisfaction of the performance goals set forth in this Exhibit and as to the satisfaction of all other material terms of the Performance Award (including, without limitation, the requirements of (a) remaining continuously employed and/or a member of the Board and/or (b) attaining Rule of 65). The date the Committee makes such a written certification shall be deemed the “Committee Certification Date”).

7. Performance Schedule:

3 Year EPS CAGR*	Percentage of     Target Performance Award To be Issued¹ **	3 Year EPS CAGR*	Percentage of     Target Performance Award To be Issued¹ **
20.0%	200%	17.4%	174%
19.9%	199%	17.3%	173%
19.8%	198%	17.2%	172%
19.7%	197%	17.1%	171%
19.6%	196%	17.0%	170%
19.5%	195%	16.9%	169%
19.4%	194%	16.8%	168%
19.3%	193%	16.7%	167%
19.2%	192%	16.6%	166%
19.1%	191%	16.5%	165%
19.0%	190%	16.4%	164%
18.9%	189%	16.3%	163%
18.8%	188%	16.2%	162%
18.7%	187%	16.1%	161%
18.6%	186%	16.0%	160%
18.5%	185%	15.9%	159%
18.4%	184%	15.8%	158%
18.3%	183%	15.7%	157%
18.2%	182%	15.6%	156%
18.1%	181%	15.5%	155%
18.0%	180%	15.4%	154%
17.9%	179%	15.3%	153%
17.8%	178%	15.2%	152%
17.7%	177%	15.1%	151%
17.6%	176%	15.0%	150%
17.5%	175%	14.9%	149%
Continued on next page

3 Year EPS CAGR*	Percentage of     Target Performance Award To be Issued¹ **	3 Year EPS CAGR*	Percentage of     Target Performance Award To be Issued¹ **
14.8%	148%	11.1%	111%
14.7%	147%	11.0%	110%
14.6%	146%	10.9%	109%
14.5%	145%	10.8%	108%
14.4%	144%	10.7%	107%
14.3%	143%	10.6%	106%
14.2%	142%	10.5%	105%
14.1%	141%	10.4%	104%
14.0%	140%	10.3%	103%
13.9%	139%	10.2%	102%
13.8%	138%	10.1%	101%
13.7%	137%	10.0%	100%
13.6%	136%	9.9%	96%
13.5%	135%	9.8%	92%
13.4%	134%	9.7%	88%
13.3%	133%	9.6%	85%
13.2%	132%	9.5%	81%
13.1%	131%	9.4%	77%
13.0%	130%	9.3%	73%
12.9%	129%	9.2%	69%
12.8%	128%	9.1%	65%
12.7%	127%	9.0%	62%
12.6%	126%	8.9%	58%
12.5%	125%	8.8%	54%
12.4%	124%	8.7%	50%
12.3%	123%	8.6%	46%
12.2%	122%	8.5%	42%
12.1%	121%	8.4%	38%
12.0%	120%	8.3%	35%
11.9%	119%	8.2%	31%
11.8%	118%	8.1%	27%
11.7%	117%	8.0%	23%
11.6%	116%	7.9%	19%
11.5%	115%	7.8%	15%
11.4%	114%	7.7%	12%
11.3%	113%	7.6%	8%
11.2%	112%	7.5%	4%
		7.49% & below	0%

(1) Reflects the % of Target Performance Award that may vest and be payable.

* CAGR Percentage to be rounded to nearest 0.1%

** Percentage of Performance Award to be issued rounded to the nearest 1%

8. Examples: For purposes of these examples, assume Employee is granted a Target Performance Award of 325 RSUs:

(a) If the CAGR is 14.3%, Employee shall receive the number of shares equal to 143% of the number of RSUs granted as the Target Performance Award, rounded up to the next whole share or 465 shares (325 * 143% = 464.75).

(b) If the CAGR is 11.1%, Employee shall receive the number of shares equal to 111% of the number of RSUs granted as the Target Performance Award rounded up to the next whole share or 361 shares (325 * 111% = 360.75).

(c) If CAGR is 9.0%, Employee shall receive the number of shares equal to 62% of the number of RSUs granted as the Target Performance Award rounded up to the next whole share or 202 shares (325 * 62% = 201.5).

(d) If CAGR is 7.49% or less, Employee shall not receive any portion of the Performance Award.

(e) If the CAGR is 20.0% or more, Employee shall receive the number of shares equal to 200% of the number of RSUs granted as the Target Performance Award rounded up to the next whole share or 750 shares (325 * 200% = 750).

EX-10.2

Exhibit 10.2

Confidential Treatement Requested by Cash America International, Inc.

Confidential portions of this document have been omitted and filed separately

with the Securities and Exchange Commission.

2013 LONG TERM INCENTIVE PLAN AWARD AGREEMENT

FOR THE E-COMMERCE DIVISION OF CASH AMERICA INTERNATIONAL, INC.

UNDER THE CASH AMERICA INTERNATIONAL, INC. FIRST AMENDED AND RESTATED 2004 LONG-TERM INCENTIVE PLAN, AS AMENDED

This Long Term Incentive Plan Award Agreement (the “Agreement”) is entered into as of the 28th day of March, 2013, by and between Cash America International, Inc. (the “Company”) and DAVID A. FISHER (“Employee”).

W I T N E S E T H:

WHEREAS, the Company has adopted the Cash America International, Inc. First Amended and Restated 2004 Long-Term Incentive Plan, as amended (the “Plan”), which is administered by the Management Development and Compensation Committee of the Company’s Board of Directors (the “Committee”); and

WHEREAS, the Committee desires to grant to Employee an award (the “Award”) of Performance Units pursuant to Section 8 of the Plan that shall vest under the terms of the Plan over a three-year period, subject to Employee’s continued employment and the satisfaction of certain conditions related to the performance of the E-Commerce Division, which is referred to in the Company’s audited financial statements for the year ended December 31, 2012 as the e-commerce segment (the “E-Commerce Division”), as such Award and its applicable terms and conditions are specified in this Agreement and in Exhibit “A” attached hereto, to encourage Employee’s continued loyalty and diligence; and

WHEREAS, the Performance Units represent the unfunded and unsecured promise of the Company to pay Employee the Unit Value (as hereinafter defined) of the Performance Units at a future date, subject to the terms of this Agreement;

WHEREAS, this Award is intended to satisfy the short-term deferral rule exemption of Section 409A of the Internal Revenue Code of 1986, as amended (“Code Section 409A”) and thereby be exempt from said section.

NOW, THEREFORE, for and in consideration of the mutual promises herein contained, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows:

1. Award.

(a) General. Subject to the conditions set forth in this Agreement and Exhibit “A,” the Company hereby grants to Employee an Award of 13,668 Performance Units for which the total target amount that may be payable based on a targeted level of 3-year performance of the E-Commerce Division is $787,500. The Award is designated as a Qualified Performance-Based Award as defined in Section 2 of the Plan.

[**Confidential Treatment Requested] indicates that portions of this document have been omitted and have been separately filed with the Securities and Exchange Commission.

(b) Grant Date. The Award was awarded to Employee on March 28, 2013 (the “Grant Date”).

2. Vesting. Subject to the terms and conditions specified on Exhibit “A” and as long as Employee remains continuously employed by the Company or its Affiliates, (i) 12  ¹/₂% of the Performance Units granted under the Award shall vest on January 1, 2014 (the “First Vesting Date”), (ii) 37  ¹/₂% of the Performance Units granted under the Award shall vest on January 1, 2015 (the “Second Vesting Date”), and (iii) 50% of the Performance Units granted under the Award shall vest on the earlier of (A) January 1, 2016 (the “Final Vesting Date”), or (B) the date of Employee’s voluntary termination of employment with the Company and all of its Affiliates, provided such date is on or after February 1, 2015 and Employee has provided the Company’s Board of Directors with written notice of such termination at least 45 days before the effective date thereof (the “Termination Vesting Date,” and together with the “Final Vesting Date,” the “Third Vesting Date”). The First Vesting Date, the Second Vesting Date, and the Third Vesting Dates shall be collectively referred to as the “Vesting Dates.” If the terms and conditions specified on Exhibit “A” are not met with respect to each Vesting Date, the Performance Units scheduled to vest on such Vesting Date shall expire and be forfeited and Employee shall have no right to payment or compensation with respect to any such unvested portion of the Award.

3. Treatment of Award Upon Termination of Employment. Except as provided in Section 2(iii)(B) above with respect to the Termination Vesting Date, if Employee terminates employment with the Company or its Affiliates, whether voluntarily or involuntarily (including by death), for any reason, he or she shall immediately forfeit all interest in the unvested portion of an Award, and such forfeited Award shall not be considered outstanding.

4. Payment of Awards.

(a) General. If Employee remains continuously employed through a Vesting Date (or in the case of the Termination Vesting Date, through the last day preceding such Termination Vesting Date) and the Award has received Committee Certification (as defined in Exhibit “A”) for such Vesting Date (such that a portion of the Award meets the requirements for vesting and vests as of such Vesting Date), then, except as provided in Section 4(f) below, the Company shall pay to Employee (or if Employee has died since such Vesting Date, Employee’s Beneficiary (as hereinafter defined)) the Unit Value multiplied by the number of Performance Units granted under this Award that vest on such Vesting Date. The payment for the then-vesting portion of the Award determined in accordance with this Section 4 shall be made within a reasonable time after the Committee Certification Date (as defined in Exhibit “A”). In no event will any payment with respect to the Performance Units that vest as of any Vesting Date (including a deemed Vesting Date as described in Section 5(a) or 5(b)) be made later than March 15 of the calendar year following the calendar year in which such Vesting Date occurs; provided, however, if the Committee has not provided the Committee Certification by such March 15, such portion of the Award shall not vest or be payable with respect to such Vesting Date. All payments shall be made in cash. “Beneficiary” means the person(s) designated by Employee to receive any amounts payable under this Agreement upon the Employee’s death. If no Beneficiary has been designated, the Employee’s estate shall be deemed to be the Beneficiary.

(b) Amount of Payment. Subject to adjustment under Section 4(g) and except as provided in Section 4(f) below, the amount, if any, to be paid to Employee following each Vesting Date shall be determined as follows:

[**Confidential Treatment Requested] indicates that portions of this document have been omitted and have been separately filed with the Securities and Exchange Commission.

2

i. First Vesting Date: With respect to all Performance Units granted to the Employee that vest as of the First Vesting Date, an amount equal to the First Vesting Date Unit Value (as defined in Section 4(c)(i) below) multiplied by the number of Performance Units granted under this Award that vest on the First Vesting Date. Such amount shall be paid to Employee (or his Beneficiary) in accordance with Section 4(a) of this Agreement. Unit Values for Performance Units that vest on the First Vesting Date shall not remain subject to adjustment as of any subsequent Vesting Date.

ii. Second Vesting Date. With respect to all Performance Units granted to Employee that vest on the Second Vesting Date, an amount equal to the Second Vesting Date Unit Value (as defined in Section 4(c)(ii) below) multiplied by the number of Performance Units granted under this Award that vest on the Second Vesting Date. Such amount shall be paid to Employee (or his Beneficiary) in accordance with Section 4(a) of this Agreement. Unit Values for Performance Units that vest on the Second Vesting Date shall not remain subject to adjustment as of the Third Vesting Date.

iii. Third Vesting Date. With respect to all Performance Units granted to Employee that vest on the Third Vesting Date, an amount equal to the Third Vesting Date Unit Value (determined in accordance with section 4(c)(iii) below) multiplied by the number of Performance Units granted under this Award that vest on the Third Vesting Date. Such amount shall be paid to Employee (or his Beneficiary) in accordance with Section 4(a) of this Agreement.

(c) Unit Value. Except as provided in Section 4(f) below, “Unit Value” means the per unit value of a Performance Unit scheduled to vest on a particular Vesting Date, determined as follows:

i. The Unit Value of each of the Performance Units scheduled to vest on the First Vesting Date (the “First Vesting Date Unit Value”) shall be the 2013 EBITDA Pool (as defined in section 4(d)(i) below) divided by the 2013 Unit Value Denominator (as defined in section 4(e)(i) below).

ii. The Unit Value of each of the Performance Units scheduled to Vest on the Second Vesting Date (the “Second Vesting Date Unit Value”) shall be the 2014 EBITDA Pool (as defined in section 4(d)(ii) below) divided by the 2014 Unit Value Denominator (as defined in section 4(e)(ii) below).

iii. The Unit Value of each of the Performance Units scheduled to Vest on the Third Vesting Date (the “Third Vesting Date Unit Value”) shall be the 2015 EBITDA Pool (as defined in section 4(d)(iii) below) divided by the 2015 Unit Value Denominator (as defined in section 4(e)(iii) below).

(d) EBITDA Pool. Except as provided in Section 4(f) below, “EBITDA Pool” means the “2013 EBITDA Pool,” the “2014 EBITDA Pool” or the “2015 EBITDA Pool,” determined as follows:

i. The 2013 EBITDA Pool shall be [EBITDA (as defined in Exhibit “A”) for calendar year 2013 (“2013 EBITDA”) – EBITDA for calendar year 2012 (“2012 EBITDA”)] x the 2013 Percentage Multiple (as defined in Exhibit “A”), but only if the EBITDA CAGR specified in Section 3(a) of Exhibit “A” is achieved as of the First Vesting Date. If the specified EBITDA CAGR is not achieved as of the First Vesting Date, the 2013 EBITDA pool shall be zero.

[**Confidential Treatment Requested] indicates that portions of this document have been omitted and have been separately filed with the Securities and Exchange Commission.

3

ii. The 2014 EBITDA Pool shall be [EBITDA for calendar year 2014 (“2014 EBITDA”) – 2012 EBITDA] x the 2014 Percentage Multiple (as defined in Exhibit “A”) but only if the EBITDA CAGR specified in Section 3(a) of Exhibit “A” is achieved as of the Second Vesting Date. If the specified EBITDA CAGR is not achieved as of the Second Vesting Date, the 2014 EBITDA pool shall be zero.

iii. The 2015 EBITDA Pool shall be the Total EBITDA Pool determined in accordance with Section 5(d) of Exhibit “A” minus the sum of the 2013 EBITDA Pool and the 2014 EBITDA Pool. The 2015 EBITDA Pool shall not be less than zero.

(e) Unit Value Denominator. Except as provided in Section 4(f) below, “Unit Value Denominator” means the “2013 Unit Value Denominator,” the “2014 Unit Value Denominator” or the “2015 Unit Value Denominator,” determined as follows:

i. The 2013 Unit Value Denominator shall be 12,500.

ii. The 2014 Unit Value Denominator shall be 37,500.

iii. The 2015 Unit Value Denominator shall be 50,000.

(f) Payment Upon Change in Control of the Company or Enova Public Offering.

i. Change in Control. Subject to adjustment under Section 4(g), the amount, if any, to be paid to Employee with respect to all Performance Units granted to Employee that vest in accordance with Section 5(a) of this Agreement as a result of a Change in Control (as defined in Section 5)(a)) shall be the “CIC Unit Value” (determined in accordance with Section 4(f)(i)(A), (B) or (C) below, as applicable) multiplied by the number of Performance Units that vest under this Award in accordance with Section 5(a).

A. The CIC Unit Value of each of the Performance Units that vest as a result of a Change in Control that occurs during the 2013 calendar year shall be:

• [(EBITDA for the most recent four-calendar quarter period ending before or coincident with the date of the Change in Control (“CIC EBITDA” minus 2012 EBITDA) x the 2013 Percentage Multiple] ÷ the 2013 Unit Value Denominator.

B. The CIC Unit Value of each of the Performance Units that vest as a result of a Change in Control that occurs during the 2014 calendar year shall be:

• [(CIC EBITDA minus 2012 EBITDA) x the 2014 Percentage Multiple] ÷ the 2014 Unit Value Denominator.

C. The CIC Unit Value of each of the Performance Units that vest as a result of a Change in Control that occurs during the 2015 calendar year shall be computed as follows, but shall not be less than zero:

• [(CIC EBITDA minus 2012 EBITDA) x the 2015 CIC/Enova Event Percentage Multiple (as defined in Exhibit “A”)]; minus

[**Confidential Treatment Requested] indicates that portions of this document have been omitted and have been separately filed with the Securities and Exchange Commission.

4

• the sum of the 2013 EBITDA Pool and the 2014 EBITDA Pool; divided by

• the 2015 Unit Value Denominator.

ii. Enova Public Offering. Subject to adjustment under Section 4(g), the amount, if any, to be paid to Employee with respect to all Performance Units granted to Employee that vest in accordance with Section 5(b) of this Agreement as a result of an Enova Public Offering (as defined in Section 5(b)) shall be the “Enova Offering Event Unit Value” determined in accordance with Section 4(f)(ii)(A), (B) or (C) below, as applicable) of all such vested Performance Units multiplied by the number of Performance Units that vest under this Award in accordance with Section 5(b):

A. The Enova Offering Event Unit Value of each of the Performance Units that vest as a result of an Enova Public Offering that is completed during the 2013 calendar year shall be:

• [(EBITDA for the most recent twelve-calendar month period ending before or coincident with the date of the completion of the Enova Public Offering (“Enova Offering Event EBITDA”) minus 2012 EBITDA) x the 2013 Percentage Multiple] ÷ the 2013 Unit Value Denominator.

B. The Enova Offering Event Unit Value of Units that vest as a result of an Enova Public Offering that is completed during the 2014 calendar year shall be:

• [(Enova Offering Event EBITDA minus 2012 EBITDA) x the 2014 Percentage Multiple] ÷ the 2014 Unit Value Denominator.

C. The Enova Offering Event Unit Value of each of the Performance Units that vest as a result of an Enova Public Offering that is completed during the 2015 calendar year shall be computed as follows, but shall not be less than zero:

• [(Enova Offering Event EBITDA minus 2012 EBITDA) x the 2015 CIC/Enova Event Percentage Multiple]; minus

• the sum of the 2013 EBITDA Pool and the 2014 EBITDA Pool; divided by

• the 2015 Unit Value Denominator.

iii. Certain Units Vesting on the Third Vesting Date. In the event that (A) a portion of the Performance Units granted under this Award vest on a Termination Vesting Date and (B) a Change in Control or the completion of an Enova Public Offering occurs on or after such Termination Vesting Date and before January 1, 2016, the amount of the payment, if any, with respect to all outstanding Performance Units granted to Employee that vest on such Termination Vesting Date shall be determined in accordance with this Section 4(f) as if such Performance Units had vested in accordance with Section 5 on the date of the Change in Control or completion of the Enova Public Offering, as applicable.

iv. Timing of Payment Made Upon a Change in Control or Enova Public Offering. All amounts payable in accordance with this Section 4(f) shall be paid within 60 days following the Committee Certification Date with respect to the Vesting Date that occurs as a result of a Change in Control or the completion of an Enova Public Offering.

[**Confidential Treatment Requested] indicates that portions of this document have been omitted and have been separately filed with the Securities and Exchange Commission.

5

(g) Overall Maximum. The total of all payments that may be made to Employee under the Award shall not exceed $2,362,500 (the “Overall Maximum”). If the amount of any payment determined in accordance with section 4(b) as of any Vesting Date or in accordance with section 4(f) as of the date of a Change in Control or the completion of an Enova Public Offering, when added to all amounts previously payable under the Award, exceeds the Overall Maximum, the amount of such payment shall be reduced by such excess.

5. Vesting Upon Change in Control or an Enova Public Offering.

(a) Change in Control. Upon a Change in Control prior to the Final Vesting Date while Employee is still employed by the Company or its Affiliates, the portion of the Award that is outstanding and scheduled to vest within 12 calendar months following the date of the Change in Control shall become vested, subject to the terms and conditions set forth on Exhibit “A” (including the requirements for achieving a certain EBITDA CAGR (as defined on Exhibit “A”) and Committee Certification) and as long as Employee has remained continuously employed through the date of the Change in Control; provided, however, the amount and time of payment for any Performance Units vesting pursuant to this Section shall be determined under the terms of Section 4(f) of this Agreement. “Change in Control” means an event that is a change in the ownership of the Company, a change in the effective control of the Company or a change in the ownership of a substantial portion of the assets of the Company, all as defined in Code Section 409A and Treasury Regulations Section 1.409A-3(i)(5), except that 35% shall be substituted for 30% in applying Treasury Regulations Section 1.409A-3(i)(5)(vi) and 50% shall be substituted for 40% in applying Treasury Regulations Section 1.409A-3(i)(5)(vii). The date of the Change in Control shall be deemed the Vesting Date.

(b) Enova Public Offering. Upon the completion of a spin-off or an initial public offering of some or all of the common stock of Enova International, Inc. (the “Enova Public Offering”) prior to the Final Vesting Date while Employee is still employed by the Company or its Affiliates, the portion of the Award that is outstanding and scheduled to vest within 12 calendar months following the date of the completion of the Enova Public Offering shall become vested, subject to the terms and conditions set forth on Exhibit “A” (including the requirements for achieving a certain EBITDA CAGR (as defined on Exhibit “A”) and Committee Certification) and as long as Employee has remained continuously employed through the date of the completion of such Enova Public Offering; provided, however, the amount and time of payment for any Performance Units vesting pursuant to this Section shall be determined under the terms of Section 4(f) of this Agreement. The date the Enova Public Offering is completed shall be deemed the Vesting Date.

(c) Forfeiture of Unvested Performance Units. If a Change in Control or an Enova Public Offering (“CIC/Enova Event”) occurs, any outstanding unvested Performance Units that do not become vested under this Section 5 shall expire and be forfeited on the date of the CIC/Enova Event, and Employee shall thereafter have no further right to payment or compensation with respect to any such unvested portion of the Award, including without limitation, as a result of any subsequent CIC/Enova Event.

6. Withholding. Upon payment to Employee pursuant to this Agreement, the Company shall withhold all applicable federal, state and local employment taxes which the Company or its Affiliates are required to withhold.

[**Confidential Treatment Requested] indicates that portions of this document have been omitted and have been separately filed with the Securities and Exchange Commission.

6

7. Plan Provisions.

In addition to the terms and conditions set forth herein, each Award is subject to and governed by the terms and conditions set forth in the Plan, as may be amended from time to time, which are hereby incorporated by reference. Any terms used herein with an initial capital letter shall have the same meaning as provided in the Plan, unless otherwise specified herein. In the event of any conflict between the provisions of the Agreement and the Plan, the Plan shall control.

8. Miscellaneous.

(a) Limitation of Rights. The granting of the Award and the execution of the Agreement shall not give Employee any rights to (1) similar grants in future years, (2) any right to be retained in the employ or service of the Company or any of its Affiliates, or (3) interfere in any way with the right of the Company or its Affiliates to terminate Employee’s employment or services at any time.

(b) Interpretation. Employee accepts this Award subject to all the terms and provisions of the Plan and this Agreement. The undersigned Employee hereby accepts as binding, conclusive and final all decisions or interpretations of the Committee upon any questions arising under the Plan and this Agreement.

(c) Severability. If any term, provision, covenant or restriction contained in the Agreement is held by a court or a federal regulatory agency of competent jurisdiction to be invalid, void or unenforceable, the remainder of the terms, provisions, covenants and restrictions contained in the Agreement shall remain in full force and effect, and shall in no way be affected, impaired or invalidated.

(d) Controlling Law. The Agreement is being made in Texas and shall be construed and enforced in accordance with the laws of that state.

(e) Construction. The Agreement and the Plan contain the entire understanding between the parties, and supersedes any prior understanding and agreements between them, representing the subject matter hereof. There are no representations, agreements, arrangements or understandings, oral or written, between and among the parties hereto relating to the subject matter hereof which are not fully expressed herein.

(g) Exemption from Code Section 409A. Notwithstanding the references to Code Section 409A and the incorporation of certain provisions from the Treasury Regulations under Code Section 409A, the Company intends that all payments under the Award be exempt from Code Section 409A under the short-term deferral rule exemption in Treasury Regulations Section 1.409A-1(b)(4).

(h) Headings. Section and other headings contained in the Agreement are for reference purposes only and are in no way intended to describe, interpret, define or limit the scope, extent or intent of the Agreement or any provision hereof.

(i) Heirs, Successors and Assigns. Each and all of the covenants, terms, provisions and agreements contained herein shall be binding upon and inure to the benefit of Employee’s heirs, legal representatives, successors and assigns.

[**Confidential Treatment Requested] indicates that portions of this document have been omitted and have been separately filed with the Securities and Exchange Commission.

7

(j) Originals. This Agreement may be executed and/or accepted electronically by Employee, the production of either of which (including a signature or proof of electronic acceptance) shall be sufficient for all purposes for the proof of the binding terms of this Agreement.

(k) Clawback. Notwithstanding anything in the Plan to the contrary, in the event that the Company is required to materially restate its financial results, excluding a material restatement of such financial results due solely to a change in generally accepted accounting principles in the United States or such other accounting principles that may be adopted by the Securities and Exchange Commission and are or become applicable to the Company, at any time before or within two years following January 1, 2016 as a result of fraud or intentional misconduct on the part of the Employee, the Committee may, in its discretion, (a) cancel the Award, in whole or in part, whether or not vested, and/or (b) require the Employee to repay to the Company an amount equal to all or any portion of the payments that have been made to Employee pursuant to this Agreement. Such cancellation or repayment obligation shall be effective as of the date specified by the Committee. Any repayment obligation shall be satisfied in cash, and the Committee may provide for an offset to any future payments owed by the Company or its Affiliates to the Employee if necessary to satisfy the repayment obligation; provided, however, that if any such offset is prohibited under applicable law, the Committee shall not permit any offsets and may require immediate repayment by the Employee.

Notwithstanding the foregoing, to the extent required to comply with applicable law and/or any Clawback Policy adopted by the Company after the date of this Agreement, the Company may unilaterally amend this Section 8(k), and any such amendment shall be made by providing notice of such amendment to Employee, and shall be binding on Employee; provided, regardless of whether the Company makes such a unilateral amendment to this Section 8(k) or provides such notice to Employee, this Section 8(k) shall be deemed consistent with any Clawback Policy adopted by the Company after the date of this Agreement and Employee shall be bound thereby.

(Signatures on following page)

[**Confidential Treatment Requested] indicates that portions of this document have been omitted and have been separately filed with the Securities and Exchange Commission.

8

IN WITNESS WHEREOF, the parties hereto have executed the Agreement as of the day and year first set forth above.

CASH AMERICA INTERNATIONAL, INC.
By:	/S/ DANIEL R. FEEHAN
	Daniel R. Feehan
	Chief Executive Officer and President
EMPLOYEE *
/S/ DAVID A. FISHER David A. Fisher

* Electronic acceptance of this Award by Employee shall bind Employee by the terms of this Agreement pursuant to Section 8(j) of this Agreement.

[**Confidential Treatment Requested] indicates that portions of this document have been omitted and have been separately filed with the Securities and Exchange Commission.

9

EXHIBIT “A”

TERMS AND CONDITIONS OF PERFORMANCE UNITS

1. Vesting Requirements. In addition to the continuous employment of Employee, the vesting of any awards on any Vesting Date shall be contingent upon the E-Commerce Division’s achievement of the EBITDA CAGR specified in Section 3 of this Exhibit. The vesting of any portion of the Award shall be subject to Committee Certification, as described in Section 6 of this Exhibit.

2. EBITDA. Except as provided in Section 2(f) of this Exhibit, “EBITDA” means the consolidated earnings of the E-Commerce Division before interest, income taxes, depreciation and amortization expenses. EBITDA shall be calculated as if the E-Commerce Division was being operated as a separate and independent corporation and determined in accordance with generally accepted accounting principles in the United States or such other accounting principles that may be adopted by the Securities and Exchange Commission and are or become applicable to the Company (“GAAP”) as consistently applied by the Company; provided, however, that in determining EBITDA:

(a) EBITDA shall be computed without regard to “extraordinary items” of gain or loss as that term shall be defined in GAAP.

(b) EBITDA shall not include any gain or loss that exceeds $500,000 in a single transaction from either the deconsolidation of any subsidiary or the sale or write-off of (i) discontinued business operations (as defined in GAAP), (ii) any ownership interest in a subsidiary or other entity in which the Company or a subsidiary of the Company has an ownership interest of at least 10% before the transaction, or (iii) assets classified under GAAP as noncurrent assets (other than the noncurrent portion of any loans to customers).

(c) EBITDA for any period shall be increased by Capital Charges income earned and reduced by Capital Charges expense accrued. “Capital Charges” means the interest charges calculated on a monthly basis for amounts advanced between the Company or its affiliates and the E-Commerce Division, including amounts advanced for working capital, investments or capital improvements (including investments in other businesses through acquisitions or debt/equity investments, and specifically including all amounts advanced for use as acquisition consideration for the purchase of the Debit Plus, LLC business – including past and future earn-out payments, but excluding all amounts advanced for use as acquisition consideration for the purchase of The Check Giant’s business – including past earn-out payments), with the interest rate being the rate per annum published two business days before the beginning of the month as the London interbank offered rate for deposits in Dollars (“LIBOR”) for a one month term plus 4.5 percentage points. Such interest rate shall be rounded upwards, if necessary, to the next higher 1/16^th of one percentage point. For purposes of illustration, the interest rate used to calculate Capital Charges for the Month of May shall be determined using the one-month LIBOR rate published on the second-to-last business day of April. Interest for a month shall be calculated on a basis of a 360 day year and the actual number of days in the month, and shall be computed on the average balance of advances outstanding at the beginning and end of the month. Any promissory notes or other obligations issued or assigned in payment of dividends or other capital distributions are not considered “amounts advanced.”

(d) EBITDA shall not include the corporate administrative overhead allocation, if any, that is charged to the E-Commerce Division by the Company or its Affiliates other than Affiliates included in the E-Commerce Division or any outside accounting, legal, consulting, underwriting or other fees or other out-of-pocket costs incurred by the Company or the E-Commerce Division solely on account of a proposed or completed Enova Public Offering.

(e) For purposes of calculating EBITDA, income taxes shall mean only federal, state, local and foreign taxes on the income of the E-Commerce Division and shall not include (i) any other tax, charge, fee, duty (including customs duty), levy or assessment, including any ad valorem, turnover, real and personal property (tangible and intangible), sales, use, franchise (other than franchise taxes based on income), excise, value added, stamp, leasing, lease, user, transfer, fuel, excess profits, windfall profits, occupational, premium, interest equalization, severance, license, registration, payroll, environmental (including taxes under Code Section 59A), capital stock, capital duty, disability, gains, wealth, welfare, employee’s income withholding, other withholding, unemployment and social security or other tax of whatever kind (including any fee, assessment and other charges in the nature of or in lieu of any tax) that is imposed by any governmental authority, (ii) any interest, fines, penalties or additions resulting from, attributable to, or incurred in connection with any items described in this paragraph or any related contest or dispute and (iii) any items described in this paragraph that are attributable to another person but that the owner of the E-Commerce Division is liable to pay by law, by contract or otherwise, whether or not disputed.

(f) EBITDA for calendar year 2012 (“2012 EBITDA”) shall be $139,194,741.

3. CAGR Threshold for Vesting and Payment. The portion of the Award that will vest and be payable (subject to Committee Certification, as described below) shall be subject to the continuous employment of Employee by the Company or its Affiliates through the applicable Vesting Date (or in the case of the Termination Vesting Date, through the last day preceding such Termination Vesting Date) and shall be determined as follows:

(a) The E-Commerce Division must achieve an EBITDA CAGR of at least [**Confidential Treatment Requested] from December 31, 2012 through December 31 of the year immediately preceding the First Vesting Date, Second Vesting Date or the Final Vesting Date, as applicable, in order for any portion of the Award to vest on the First Vesting Date, Second Vesting Date or the Final Vesting Date, respectively, and become payable. Except as provided in Section 3(c) of this Exhibit, the E-Commerce Division must achieve an EBITDA CAGR of at least [**Confidential Treatment Requested] from December 31, 2012 through December 31, 2015 in order for any portion of the Award to vest on the Termination Vesting Date and become payable.

(b) If the E-Commerce Division achieves an EBITDA CAGR of at least of [**Confidential Treatment Requested] over the period from December 31, 2012 through December 31 of the year immediately preceding the First Vesting Date, Second Vesting Date or the Final Vesting Date, as applicable, then a portion of the Award will vest on the First Vesting Date, Second Vesting Date or the Final Vesting Date, respectively, in accordance with Section 2 of the Agreement, subject to Section 5(c) of the Agreement. If the E-Commerce Division achieves an EBITDA CAGR of at least [**Confidential Treatment Requested] over the period

[**Confidential Treatment Requested] indicates that portions of this document have been omitted and have been separately filed with the Securities and Exchange Commission.

A-2

from December 31, 2012 through December 31, 2015, then the Performance Units that (i) are scheduled to vest on the Termination Vesting Date and (ii) have a Third Vesting Date Unit Value will vest in accordance with Section 2 of the Agreement, subject to section 5(c) of the Agreement.

(c) Performance Units Having a CIC Unit Value or Enova Offering Event Unit Value. The E-Commerce Division must achieve an EBITDA CAGR of at least [**Confidential Treatment Requested] from December 31, 2012 through the applicable period used to determine CIC Unit Value or Enova Offering Event Unit Value in order for any portion of the Award to vest (i) as a result of a Change in Control or an Enova Public Offering, respectively, in accordance with Section 5 of the Agreement or (ii) on the Termination Vesting Date if such units are valued in accordance with Section 4(f) of the Agreement.

EBITDA CAGR for such period shall be computed using the following formula:

[(CIC EBITDA or Enova Offering Event EBITDA, as applicable / 2012 EBITDA)] ^ [(1/(the total number of whole months in the period from December 31, 2012 through the end of the period used to determine CIC EBITDA or Enova Offering Event EBITDA / 12)] – 1.

(d) Any portion of the Award that does not vest as of the applicable Vesting Date or in the event of a Change in Control or Enova Public Offering, if applicable and as more particularly described herein, shall expire and be forfeited and Employee shall thereafter have no further right to payment or compensation with respect to any such unvested portion of such Award.

(e) For purposes of determining the amount of the Award that will vest and be payable, CAGR shall be rounded to the nearest 0.1%.

4. Base for Calculation of CAGR. For purposes of determining EBITDA CAGR as of any Vesting Date, the base EBITDA shall be the 2012 EBITDA.

5. Valuation of Performance Units. The Performance Units shall have a Unit Value as set forth in Section 4(c) and/or Section 4(f) of the Agreement, as applicable. The value of any Performance Units granted under the Award that vest on any Vesting Date or that vest in accordance with Section 5 of the Agreement and become payable shall be based on one or more percentages (each a “Percentage Multiple”) of the amount of the E-Commerce Division’s positive growth in its annual EBITDA, if any, during the applicable period(s) specified in Sections 2 and 4 of the Agreement. For purposes of this paragraph and Section 4 of the Agreement, the Percentage Multiples and the Total EBITDA Pool shall be determined as follows:

(a) The 2013 Percentage Multiple shall be [**Confidential Treatment Requested].

(b) The 2014 Percentage Multiple shall be [**Confidential Treatment Requested].

(c) For purposes of Section 4(d)(iii) of the Agreement, the Total EBITDA Pool shall be computed using the following table based on the amount by which EBITDA for calendar year 2015 (“2015 EBITDA”) exceeds 2012 EBITDA and the 2015 Percentage Multiples specified in column (D) of the table:

[**Confidential Treatment Requested] indicates that portions of this document have been omitted and have been separately filed with the Securities and Exchange Commission.

A-3

			The Total EBITDA Pool Shall Be Computed as: [Column “C”]; plus [Column “D” x (2015 EBITDA minus Column “E”)]
(A)	(B)		(C)	(D)	(E)
If the 2015 EBITDA is at Least	But the 2015 EBITDA is Not Over		Total Pool Based on Column “A”	Percentage Multiple	Amount in Column “A”
[**Confidential Treatment Requested]	[**Confidential Treatment Requested]	(1)	[**Confidential Treatment Requested]	[**Confidential Treatment Requested]	[**Confidential Treatment Requested]
[**Confidential Treatment Requested]	[**Confidential Treatment Requested]		[**Confidential Treatment Requested]	[**Confidential Treatment Requested]	[**Confidential Treatment Requested]
[**Confidential Treatment Requested]	[**Confidential Treatment Requested]		[**Confidential Treatment Requested]	[**Confidential Treatment Requested]	[**Confidential Treatment Requested]
[**Confidential Treatment Requested]	[**Confidential Treatment Requested]		[**Confidential Treatment Requested]	[**Confidential Treatment Requested]	[**Confidential Treatment Requested]
[**Confidential Treatment Requested]	[**Confidential Treatment Requested]		[**Confidential Treatment Requested]	[**Confidential Treatment Requested]	[**Confidential Treatment Requested]
[**Confidential Treatment Requested]			[**Confidential Treatment Requested]	[**Confidential Treatment Requested]	[**Confidential Treatment Requested]

(1) The 2015 EBITDA must exceed this amount for the E-Commerce Division to achieve the CAGR threshold specified in Section 3 of this Exhibit as of the Third Vesting Date.

(d) The 2015 CIC/Enova Event Percentage Multiple shall be [**Confidential Treatment Requested].

6. Committee Certification. At its first regularly scheduled meeting (or, if later, at the first meeting held once the necessary EBITDA data has become available) following each Vesting Date, the Committee (or any successor thereto) shall determine and certify as to whether the conditions described in this Exhibit and other material terms for the vesting of any portion of the Award were met on the applicable Vesting Date (the “Vesting Conditions”) and, if so, (i) the number of Performance Units that have vested on such Vesting Date, (ii) the amount of EBITDA for each period used to determine the EBITDA CAGR and the Unit Value of such vested Performance Units in accordance with Section 4 of the Agreement, (iii) the EBITDA CAGR achieved for each applicable period, and (iv) the total amount payable with respect to such vested Performance Units (“Committee Certification”). The Vesting Conditions will be considered to have been met only to the extent that the Committee certifies in writing (within the meaning of Treasury Regulations Section 1.162-27(e)(5)) that they have been met. The Committee Certification shall include the satisfaction of the EBITDA CAGR set forth in this Exhibit and of the satisfaction of all other material terms of the Award. The date the Committee makes such a written certification shall be deemed the “Committee Certification Date.”

7. Capitalized Terms. Any terms used in this Exhibit with an initial capital letter shall have the same meaning as provided in the Agreement, unless otherwise specified herein.

[**Confidential Treatment Requested] indicates that portions of this document have been omitted and have been separately filed with the Securities and Exchange Commission.

A-4

EX-10.3

Exhibit 10.3

Summary of Cash America International, Inc. 2013 Short-Term Incentive Plan

On February 14, 2013, the Management Development and Compensation Committee (the “Committee”) of Cash America International, Inc. (the “Company”) approved the terms and conditions of the short term incentive compensation plan for executive officers of the Company for 2013 (the “2013 STI Plan”), which is a cash-based incentive plan that will be administered by the Committee under the Company’s First Amended and Restated Senior Executive Bonus Plan. Under the 2013 STI Plan, a cash bonus pool may be funded based on the Company’s achievement of certain financial objectives for 2013.

The 2013 STI Plan consists of the following three components (each an “STI Component”):

• the EBT component (the “EBT Component”), which is based on the Company’s consolidated 2013 earnings before taxes and adjusted for certain items;

• the Retail Services Division component (the “Retail Services Component”), which is based on the 2013 earnings before taxes for the Retail Services Division and adjusted for certain items; and

• the E-Commerce Division component (the “E-Commerce Component”), which is based on the 2013 earnings before interest, taxes, depreciation and amortization of the E-Commerce Division and adjusted for certain items.

The target 2013 short term incentive (“STI”) awards as a percentage of base salary are as follows: 100% for the President and Chief Executive Officer; 75% for the Chief Executive Officer of the E-Commerce Division (the “2013 Target E-Commerce Division CEO Award”); and 70% for the Executive Vice President and Chief Financial Officer, the President-Retail Services Division and the Executive Vice President, General Counsel and Secretary. STI payments, if any, will be determined by the Committee in January 2014 and will be based on the following: (i) 25% on the EBT Component and 75% on the Retail Services Component for the Company’s President-Retail Services Division, (ii) 100% on the E-Commerce Component for the Company’s Chief Executive Officer of the E-Commerce Division; and (iii) 100% on the EBT Component for all other executive officers. No executive officer, except the Company’s Chief Executive Officer of the E-Commerce Division, David A. Fisher, is guaranteed a payment under the 2013 STI Plan. The 2013 STI Plan provides that, consistent with the letter agreement entered into with the Company when Mr. Fisher accepted employment on January 29, 2013, Mr. Fisher will receive the greater of the actual STI earned according to the terms of the 2013 STI Plan or 75% of the 2013 Target E-Commerce Division CEO Award, each of which will be prorated based on the number of days employed during 2013 divided by 365.

Under the terms of the 2013 STI Plan, potential STI awards will begin to accrue under each STI Component once the Company exceeds a certain earnings threshold (the “Earnings Threshold”) established for that STI Component, and the potential STI awards can increase ratably up to 100% of the portion of a target award related to the applicable STI Component if earnings in the particular STI Component reach a specified earnings target (the “Earnings Target”) established for such STI Component. If earnings in a particular STI Component do not reach the Earnings Threshold applicable to such STI Component, no portion of the STI award related to that STI Component will be available for payment, except with respect to Mr. Fisher as described above. If earnings in any STI Component exceed the applicable Earnings Target for such component, the potential STI award applicable to such STI Component will increase above the portion of the target award corresponding to such STI Component based on a formula set forth in the 2013 STI Plan not to exceed a cap of 200%. The Committee also has discretion under the 2013 STI Plan to reduce or eliminate amounts that may be paid under the plan, except with respect to Mr. Fisher. The 2013 STI Plan also contains a “clawback” provision that allows the Company to recoup all or some of the amount paid to an executive officer under certain circumstances when there is a material restatement of the Company’s financial results.

EX-31.1

EXHIBIT 31.1

CERTIFICATION

I, Daniel R. Feehan, certify that:

1. I have reviewed this report on Form 10-Q of Cash America International, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: April 26, 2013

/s/ Daniel R. Feehan

Daniel R. Feehan

Chief Executive Officer and President

EX-31.2

EXHIBIT 31.2

CERTIFICATION

I, Thomas A. Bessant, Jr., certify that:

1. I have reviewed this report on Form 10-Q of Cash America International, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: April 26, 2013

/s/ Thomas A. Bessant, Jr.

Thomas A. Bessant, Jr.

Executive Vice President and Chief Financial Officer

EX-32.1

EXHIBIT 32.1

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Cash America International, Inc. (the “Company”) on Form 10-Q for the quarterly period ended March 31, 2013, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Daniel R. Feehan, Chief Executive Officer and President of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge:

(1) The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

/s/ Daniel R. Feehan

Daniel R. Feehan

Chief Executive Officer and President

Date: April 26, 2013

EX-32.2

EXHIBIT 32.2

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Cash America International, Inc. (the “Company”) on Form 10-Q for the quarterly period ended March 31, 2013, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Thomas A. Bessant, Jr., Executive Vice President and Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge:

(1) The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

/s/ Thomas A. Bessant, Jr.

Thomas A. Bessant, Jr.

Executive Vice President and Chief Financial Officer

Date: April 26, 2013

XML

Long-Term Debt (Narrative) (Details) (USD $) In Millions, unless otherwise specified	3 Months Ended		3 Months Ended				3 Months Ended									3 Months Ended				3 Months Ended
	Mar. 31, 2012	Mar. 31, 2013 Multi-Currency Line Of Credit [Member]	Mar. 31, 2013 Domestic And Multi-Currency Line Of Credit Up To $100,000 Due 2013 [Member]	Mar. 31, 2013 Domestic And Multi-Currency Line Of Credit Up To $280,000 Due 2015 [Member]	Dec. 31, 2012 Domestic And Multi-Currency Line Of Credit Up To $280,000 Due 2015 [Member]	Mar. 31, 2012 Domestic And Multi-Currency Line Of Credit Up To $280,000 Due 2015 [Member]	Mar. 31, 2013 Variable Rate Senior Unsecured Note Due 2015 [Member]	Dec. 31, 2012 Variable Rate Senior Unsecured Note Due 2015 [Member]	Mar. 31, 2012 Variable Rate Senior Unsecured Note Due 2015 [Member]	Mar. 31, 2013 Credit Agreement [Member]	Mar. 31, 2013 5.25% Convertible Senior Unsecured Notes Due 2029 [Member]	Mar. 31, 2013 Letter Of Credit Facility [Member]	Mar. 31, 2013 Standby Letters Of Credit [Member]	Mar. 31, 2013 LIBOR [Member] Variable Rate Senior Unsecured Note Due 2015 [Member]	Mar. 31, 2013 Agent's Base Rate [Member] Variable Rate Senior Unsecured Note Due 2015 [Member]	Mar. 31, 2013 Maximum [Member] Domestic And Multi-Currency Line Of Credit Up To $280,000 Due 2015 [Member] D	Mar. 31, 2012 Maximum [Member] Domestic And Multi-Currency Line Of Credit Up To $280,000 Due 2015 [Member] D	Mar. 31, 2013 Maximum [Member] LIBOR [Member] Domestic And Multi-Currency Line Of Credit Up To $280,000 Due 2015 [Member]	Mar. 31, 2013 Maximum [Member] Agent's Base Rate [Member] Domestic And Multi-Currency Line Of Credit Up To $280,000 Due 2015 [Member]	Mar. 31, 2013 Minimum [Member] Domestic And Multi-Currency Line Of Credit Up To $280,000 Due 2015 [Member] D	Mar. 31, 2012 Minimum [Member] Domestic And Multi-Currency Line Of Credit Up To $280,000 Due 2015 [Member] D	Mar. 31, 2013 Minimum [Member] LIBOR [Member] Domestic And Multi-Currency Line Of Credit Up To $280,000 Due 2015 [Member]	Mar. 31, 2013 Minimum [Member] Agent's Base Rate [Member] Domestic And Multi-Currency Line Of Credit Up To $280,000 Due 2015 [Member]
Debt Instrument [Line Items]
Maximum borrowing capacity		$ 50.0	$ 100.0	$ 280.0						$ 380.0
Debt instrument, maturity year							2015				2029
Debt Instrument, Face Amount							50.0
Debt instrument basis spread on variable rate														3.50%	2.00%			3.25%	1.75%			2.00%	0.50%
Weighted average interest rate				3.04%	3.06%	3.03%	3.75%	3.75%	3.75%
Commitment fee, percentage				0.38%												0.50%				0.25%
Debt Instrument, Periodic Payment, Principal							2.1
NumberOfPricingTranches	4			3
Letter of credit facility, amount												$ 20.0	$ 16.3
Debt instrument, maturity date			May 29, 2013				Mar. 31, 2015
Debt instrument, maturity days																30	31			2	3
Debt Instrument, Date of First Required Payment							Mar. 31, 2012
Debt Instrument Frequency Of Periodic Payment							Quarterly

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Derivative Instruments (Fair Values Of Derivative Instruments) (Details) (Forward Currency Exchange Contracts [Member], Non-Designated Derivatives [Member], USD $) In Thousands, unless otherwise specified	Mar. 31, 2013	Dec. 31, 2012	Mar. 31, 2012
Forward Currency Exchange Contracts [Member] | Non-Designated Derivatives [Member]
Derivative [Line Items]
Asset derivatives, Notional Amount	$ 86,456	$ 93,813	$ 76,671
Gross amounts of recognized assets	0	0	0
Gross amounts offset in the balance sheet	(407)	(406)	(396)
Net amounts of assets in the balance sheet	$ (407)	$ (406)	$ (396)

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Fair Value Measurements (Fair Value Assets(Liabilities) Measured On Recurring Basis) (Details) (USD $)	3 Months Ended				12 Months Ended
	Mar. 31, 2013		Mar. 31, 2012		Dec. 31, 2012
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Unrealized total gain/(losses) recorded in accumulated other comprehensive income	$ 900,000		$ (100,000)		$ 300,000
Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Interest rate contracts	0		0		0
Forward currency exchange contracts	(407,000)		(396,000)		(406,000)
Nonqualified savings plan assets	13,116,000	[1]	10,336,000	[1]	11,347,000	[1]
Marketable securities	7,028,000	[2]	5,565,000	[2]	6,042,000	[2]
Total	19,737,000		15,505,000		16,983,000
Level 1 [Member] | Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Interest rate contracts	0		0		0
Forward currency exchange contracts	0		0		0
Nonqualified savings plan assets	13,116,000	[1]	10,336,000	[1]	11,347,000	[1]
Marketable securities	7,028,000	[2]	5,565,000	[2]	6,042,000	[2]
Total	20,144,000		15,901,000		17,389,000
Level 2 [Member] | Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Interest rate contracts	0		0		0
Forward currency exchange contracts	(407,000)		(396,000)		(406,000)
Nonqualified savings plan assets	0	[1]	0	[1]	0	[1]
Marketable securities	0	[2]	0	[2]	0	[2]
Total	(407,000)		(396,000)		(406,000)
Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Interest rate contracts	0		0		0
Forward currency exchange contracts	0		0		0
Nonqualified savings plan assets	0	[1]	0	[1]	0	[1]
Marketable securities	0	[2]	0	[2]	0	[2]
Total	$ 0		$ 0		$ 0

[1] (a)The nonqualified savings plan assets have an offsetting liability of equal amount, which is included in "Accounts payable and accrued expenses" in the Company's consolidated balance sheets.

[2] (b)Cumulative unrealized total gains/(losses), net of tax, on these equity securities of $0.9 million, ($0.1) million and $0.3 million as of March 31, 2013 and 2012, and December 31, 2012, respectively, are recorded in "Accumulated other comprehensive income (loss)" in the Company's consolidated statements of equity.

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Credit Quality Information On Pawn Loans (Details) (USD $) In Millions, unless otherwise specified	Mar. 31, 2013	Dec. 31, 2012	Mar. 31, 2012
Credit Quality Information On Pawn Loans [Abstract]
Performing pawn loans outstanding	$ 195.9	$ 235.3	$ 202.6
Nonperforming pawn loans outstanding	$ 7.1	$ 9.3	$ 3.7

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Merchandise Held For Disposition (Table)

3 Months Ended

Mar. 31, 2013

Inventory Disclosure Abstract

Schedule Of Inventory Current Table Text Block

	As of March 31,												As of December 31,
	2013						2012						2012
	Total		Allowance		Net		Total		Allowance		Net		Total		Allowance		Net
Domestic	$	141,507	$	(840)	$	140,667	$	128,906	$	(700)	$	128,206	$	162,495	$	(840)	$	161,655
Foreign		5,385		(11)		5,374		11,313		-		11,313		5,765		(11)		5,754
Total	$	146,892	$	(851)	$	146,041	$	140,219	$	(700)	$	139,519	$	168,260	$	(851)	$	167,409

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Income Taxes (Narrative) (Details) (USD $) In Millions, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Dec. 31, 2012
Income Taxes [Abstract]
Income Tax Benefit From Worthless Stock Deduction	$ 33.4
Deferred Tax Assets Stock Basis Difference	24.1	9.3
Reversal of Valuation Allowance	9.3
Liability For Uncertain Tax Positions Current	33.4
Unrecognized Tax Benefits	$ 35.3

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Consumer Loans, Credit Quality Information And Allowances And Liabilities For Estimated Losses On Consumer Loans (Changes In Allowance For Losses) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$ 85,703	$ 63,072
Consumer loan loss provision	76,255	63,452
Charge-offs	(99,736)	(78,613)
Recoveries	15,445	10,802
Balance at end of period	77,667	58,713
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	3,498	(3,062)
Decrease in liability	(1,403)	(1,069)
Balance at end of period	2,095	1,993
Short-Term Loans [Member]
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	45,982	46,406
Consumer loan loss provision	46,553	45,534
Charge-offs	(60,790)	(61,255)
Recoveries	10,825	9,222
Balance at end of period	42,570	39,907
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	2,934	(2,617)
Decrease in liability	(1,387)	(987)
Balance at end of period	1,547	1,630
Installment Loans [Member]
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	28,614	12,943
Consumer loan loss provision	23,149	14,498
Charge-offs	(27,744)	(13,337)
Recoveries	3,014	1,184
Balance at end of period	27,033	15,288
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	564	(445)
Decrease in liability	(16)	(82)
Balance at end of period	548	363
L O C [Member]
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	11,107	3,723
Consumer loan loss provision	6,553	3,420
Charge-offs	(11,202)	(4,021)
Recoveries	1,606	396
Balance at end of period	8,064	3,518
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	0	0
Decrease in liability	0	0
Balance at end of period	$ 0	$ 0

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Fair Value Measurements (Financial Assets and Liabilities Not Measured At Fair Value) (Details) (USD $) In Thousands, unless otherwise specified	Mar. 31, 2013	Mar. 31, 2012	Mar. 31, 2011
Carrying Value [Member]
Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract]
Cash and Cash Equivalents, Fair Value Disclosure	$ 78,361	$ 63,606	$ 63,134
Pawn Loans Fair Value Disclosure	202,982	206,343	244,640
Consumer Loans Net Fair Value Disclosure	253,801	200,365	289,418
Pawn Loan Fees Service Charges Fair Value Disclosure	40,560	38,797	48,991
Total	575,704	509,111	646,183
Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract]
Bank lines of credit	179,321	156,113	301,011
Senior unsecured notes	160,038	143,977	167,122
2009 Convertible Notes	111,024	107,818	110,197
Total	450,383	407,908	578,330
Estimated Fair Value [Member]
Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract]
Cash and Cash Equivalents, Fair Value Disclosure	78,361	63,606	63,134
Pawn Loans Fair Value Disclosure	202,982	206,343	244,640
Consumer Loans Net Fair Value Disclosure	253,801	200,365	289,418
Pawn Loan Fees Service Charges Fair Value Disclosure	40,560	38,797	48,991
Total	575,704	509,111	646,183
Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract]
Bank lines of credit	183,898	162,053	309,969
Senior unsecured notes	164,012	142,501	165,961
2009 Convertible Notes	239,775	225,544	186,300
Total	587,685	530,098	662,230
Estimated Fair Value [Member] | Level 1 [Member]
Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract]
Cash and Cash Equivalents, Fair Value Disclosure	78,361	63,606	63,134
Pawn Loans Fair Value Disclosure	0	0	0
Consumer Loans Net Fair Value Disclosure	0	0	0
Pawn Loan Fees Service Charges Fair Value Disclosure	0	0	0
Total	78,361	63,606	63,134
Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract]
Bank lines of credit	0	0	0
Senior unsecured notes	0	0	0
2009 Convertible Notes	0	0	0
Total	0	0	0
Estimated Fair Value [Member] | Level 2 [Member]
Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract]
Cash and Cash Equivalents, Fair Value Disclosure	0	0	0
Pawn Loans Fair Value Disclosure	0	0	0
Consumer Loans Net Fair Value Disclosure	0	0	0
Pawn Loan Fees Service Charges Fair Value Disclosure	0	0	0
Total	0	0	0
Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract]
Bank lines of credit	183,898	162,053	309,969
Senior unsecured notes	164,012	142,501	165,961
2009 Convertible Notes	239,775	225,544	186,300
Total	587,685	530,098	662,230
Estimated Fair Value [Member] | Level 3 [Member]
Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract]
Cash and Cash Equivalents, Fair Value Disclosure	0	0	0
Pawn Loans Fair Value Disclosure	202,982	206,343	244,640
Consumer Loans Net Fair Value Disclosure	253,801	200,365	289,418
Pawn Loan Fees Service Charges Fair Value Disclosure	40,560	38,797	48,991
Total	497,343	445,505	583,049
Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract]
Bank lines of credit	0	0	0
Senior unsecured notes	0	0	0
2009 Convertible Notes	0	0	0
Total	$ 0	$ 0	$ 0

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Significant Accounting Policies

3 Months Ended

Mar. 31, 2013

Significant Accounting Policies [Abstract]

Significant Accounting Policies

1. Significant Accounting Policies

Basis of Presentation

The consolidated financial statements include all of the accounts of Cash America International, Inc. and its subsidiaries (the “Company”). All significant intercompany accounts and transactions have been eliminated in consolidation.

The financial statements as of March 31, 2013 and 2012 and for the three-month periods then ended are unaudited but, in management's opinion, include all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for such interim periods. The year-end consolidated balance sheet data was derived from audited financial statements, but does not include all disclosures required by generally accepted accounting principles in the United States of America (“GAAP”). Operating results for the three-month period are not necessarily indicative of the results that may be expected for the full fiscal year.

These financial statements and related notes should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended December 31, 2012.

The Company has a contractual relationship with a third party entity, Huminal, S.A. de C.V., a Mexican sociedad anónima de capital variable (“Huminal”). One of the Company's subsidiaries qualifies as the primary beneficiary of Huminal in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 810, Consolidation(“ASC 810”). Therefore, the results and balances of Huminal are consolidated and allocated to net income attributable to noncontrolling interests.

Adopted Accounting Standards

In February 2013, the FASB issued Accounting Standards Update (“ASU”) No. 2013-02, Comprehensive Income (Topic 220) — Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income (“ASU 2013-02”), which improves the reporting of reclassifications out of accumulated other comprehensive income. ASU 2013-02 requires an entity to report the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under GAAP to be reclassified in its entirety to net income. For other amounts that are not required under GAAP to be reclassified in their entirety from accumulated other comprehensive income to net income in the same reporting period, an entity is required to cross-reference other disclosures required under GAAP that provide additional detail about those amounts. The Company adopted ASU 2013-02 on January 1, 2013, and the adoption did not have a material effect on its financial position,results of operations or other comprehensive income. See Notes 12 and 13.

In July 2012, the FASB issued ASU No. 2012-02, Intangibles—Goodwill and Other (Topic 350): Testing Indefinite-Lived Intangible Assets for Impairment (“ASU 2012-02”). ASU 2012-02 provides companies with the option to assess qualitative factors to determine whether the existence of events and circumstances indicates that it is more likely than not (a likelihood of more than 50 percent) that the indefinite-lived intangible asset is impaired. If a company concludes that it is more likely than not that the asset is impaired, it is required to determine the fair value of the intangible asset and perform the quantitative impairment test by comparing the fair value with the carrying value in accordance with ASC 350, Intangibles—Goodwill and Other. If a company concludes otherwise, no further quantitative assessment is required. ASU 2012-02 is effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012, although early adoption is permitted. The Company adopted ASU 2012-02 on January 1, 2013, and the adoption did not have a material effect on its financial position or results of operations. The Company's annual indefinite-lived intangible asset impairment test will be performed during the second quarter of 2013.

In December 2011, the FASB issued ASU No. 2011-11, Disclosures about Offsetting Assets and Liabilities (Topic 210) (“ASU 2011-11”). ASU 2011-11 requires a company to provide enhanced disclosures about financial instruments and derivative instruments that are either presented on a net basis in the statement of financial position or are subject to an enforceable master netting or similar arrangement. In January 2013, the FASB issued ASU No.2013-01, Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities (“ASU 2013-01”), which limits the scope of ASU 2011-11 by requiring additional disclosure about financial instruments and derivative instruments that are either offset in the statement of financial position or subject to an enforceable master netting arrangement. ASU 2013-01 requires retrospective disclosure for all comparative periods. ASU 2011-11 and ASU 2013-01 are effective for annual and interim reporting periods beginning January 1, 2013. The Company adopted ASU 2011-11 and ASU 2013-01 on January 1, 2013, and the adoption of these standards did not have a material effect on its financial position or results of operations. See Note 13.

Accounting Standards to be Adopted in Future Periods

In March 2013, the FASB issued ASU No.2013-05,Foreign Currency Matters (Topic 830): Parent's Accounting for the Cumulative Translation Adjustment upon Derecognition of Certain Subsidiaries or Groups of Assets within a Foreign Entity or of an Investment in a Foreign Entity (a consensus of the FASB Emerging Issues Task Force)(“ASU 2013-05”), which applies to the release of the cumulative translation adjustment into net income when a parent either sells all or a part of its investment in a foreign entity or no longer holds a controlling financial interest in a subsidiary or group of assets that is a business (other than a sale of in substance real estate or conveyance of oil and gas mineral rights) within a foreign entity. ASU 2013-05is effective prospectively for fiscal years (and interim reporting periods within those years) beginning after December 15, 2013. The Company does not expect ASU 2013-05 to have a material effect on the Company's results of operations, financial condition, or other comprehensive income.

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Operating Segment Information (Current Classification Of Administrative And Operating Expenses) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012	Dec. 31, 2012
Revenue
Pawn loan fees and service charges	$ 75,914	$ 72,899
Proceeds from disposition of merchandise	178,717	208,383
Consumer loan fees	210,205	172,840
Other	3,292	3,366
Total revenue	468,128	457,488
Cost of Revenue
Disposed merchandise	121,335	138,321
Consumer loan loss provision	74,852	62,383
Total cost of revenue	196,187	200,704
Net revenue	271,941	256,784
Expenses
Operations and administration	176,824	170,155
Depreciation and amortization	17,531	14,621
Total expenses	194,355	184,776
Income (loss) from operations	77,586	72,008
Total assets	1,735,447	1,582,737	1,818,258
Goodwill	611,240	567,830	608,216
E-Commerce [Member]
Revenue
Pawn loan fees and service charges	0	0
Proceeds from disposition of merchandise	0	0
Consumer loan fees	181,883	143,468
Other	448	159
Total revenue	182,331	143,627
Cost of Revenue
Disposed merchandise	0	0
Consumer loan loss provision	68,074	57,917
Total cost of revenue	68,074	57,917
Net revenue	114,257	85,710
Expenses
Operations and administration	65,582	50,539
Depreciation and amortization	4,443	2,875
Total expenses	70,025	53,414
Income (loss) from operations	44,232	32,296
Total assets	559,952	482,956
Goodwill	210,369	210,371
Retail Services [Member]
Revenue
Pawn loan fees and service charges	75,914	72,899
Proceeds from disposition of merchandise	178,717	208,383
Consumer loan fees	28,322	29,372
Other	2,593	3,011
Total revenue	285,546	313,665
Cost of Revenue
Disposed merchandise	121,335	138,321
Consumer loan loss provision	6,778	4,466
Total cost of revenue	128,113	142,787
Net revenue	157,433	170,878
Expenses
Operations and administration	94,305	99,453
Depreciation and amortization	9,200	8,260
Total expenses	103,505	107,713
Income (loss) from operations	53,928	63,165
Total assets	1,044,306	967,934
Goodwill	400,871	357,459
Corporate [Member]
Revenue
Pawn loan fees and service charges	0	0
Proceeds from disposition of merchandise	0	0
Consumer loan fees	0	0
Other	251	196
Total revenue	251	196
Cost of Revenue
Disposed merchandise	0	0
Consumer loan loss provision	0	0
Total cost of revenue	0	0
Net revenue	251	196
Expenses
Operations and administration	16,937	20,163
Depreciation and amortization	3,888	3,486
Total expenses	20,825	23,649
Income (loss) from operations	(20,574)	(23,453)
Total assets	131,189	131,847
Domestic Country [Member] | E-Commerce [Member]
Revenue
Pawn loan fees and service charges	0	0
Proceeds from disposition of merchandise	0	0
Consumer loan fees	90,641	69,124
Other	441	165
Total revenue	91,082	69,289
Cost of Revenue
Disposed merchandise	0	0
Consumer loan loss provision	29,823	21,954
Total cost of revenue	29,823	21,954
Net revenue	61,259	47,335
Expenses
Operations and administration	30,755	23,816
Depreciation and amortization	3,883	2,612
Total expenses	34,638	26,428
Income (loss) from operations	26,621	20,907
Total assets	374,513	339,199
Domestic Country [Member] | Retail Services [Member]
Revenue
Pawn loan fees and service charges	74,174	69,413
Proceeds from disposition of merchandise	174,150	195,986
Consumer loan fees	28,322	29,372
Other	2,500	2,962
Total revenue	279,146	297,733
Cost of Revenue
Disposed merchandise	117,687	127,128
Consumer loan loss provision	6,778	4,466
Total cost of revenue	124,465	131,594
Net revenue	154,681	166,139
Expenses
Operations and administration	90,702	91,259
Depreciation and amortization	8,801	7,132
Total expenses	99,503	98,391
Income (loss) from operations	55,178	67,748
Total assets	915,772	844,689
Foreign Country [Member] | E-Commerce [Member]
Revenue
Pawn loan fees and service charges	0	0
Proceeds from disposition of merchandise	0	0
Consumer loan fees	91,242	74,344
Other	7	(6)
Total revenue	91,249	74,338
Cost of Revenue
Disposed merchandise	0	0
Consumer loan loss provision	38,251	35,963
Total cost of revenue	38,251	35,963
Net revenue	52,998	38,375
Expenses
Operations and administration	34,827	26,723
Depreciation and amortization	560	263
Total expenses	35,387	26,986
Income (loss) from operations	17,611	11,389
Total assets	185,439	143,757
Foreign Country [Member] | Retail Services [Member]
Revenue
Pawn loan fees and service charges	1,740	3,486
Proceeds from disposition of merchandise	4,567	12,397
Consumer loan fees	0	0
Other	93	49
Total revenue	6,400	15,932
Cost of Revenue
Disposed merchandise	3,648	11,193
Consumer loan loss provision	0	0
Total cost of revenue	3,648	11,193
Net revenue	2,752	4,739
Expenses
Operations and administration	3,603	8,194
Depreciation and amortization	399	1,128
Total expenses	4,002	9,322
Income (loss) from operations	(1,250)	(4,583)
Total assets	$ 128,534	$ 123,245

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Fair Value Measurements (Tables)

3 Months Ended

Mar. 31, 2013

Fair Value Measurements [Abstract]

Fair Value Assets (Liabilities) Measured On Recurring Basis

		March 31,		Fair Value Measurements Using
		2013		Level 1		Level 2		Level 3
	Financial assets (liabilities):
	Forward currency exchange contracts	$	(407)	$	-	$	(407)	$	-
	Nonqualified savings plan assets (a)		13,116		13,116		-		-
	Marketable securities(b)		7,028		7,028		-		-
	Total	$	19,737	$	20,144	$	(407)	$	-
		March 31,		Fair Value Measurements Using
		2012		Level 1		Level 2		Level 3
	Financial assets (liabilities):
	Forward currency exchange contracts	$	(396)	$	-	$	(396)	$	-
	Nonqualified savings plan assets (a)		10,336		10,336		-		-
	Marketable securities(b)		5,565		5,565		-		-
	Total	$	15,505	$	15,901	$	(396)	$	-
		December 31,		Fair Value Measurements Using
		2012		Level 1		Level 2		Level 3
	Financial assets (liabilities):
	Forward currency exchange contracts	$	(406)	$	-	$	(406)	$	-
	Nonqualified savings plan assets (a)		11,347		11,347		-		-
	Marketable securities(b)		6,042		6,042		-		-
	Total	$	16,983	$	17,389	$	(406)	$	-
(a)a	The nonqualified savings plan assets have an offsetting liability of equal amount, which is included in "Accounts payable and accrued expenses" in the Company's consolidated balance sheets.
(b)a a	Cumulative unrealized total gains/(losses), net of tax, on these equity securities of $0.9 million, ($0.1) million and $0.3 million as of March 31, 2013 and 2012, and December 31, 2012, respectively, are recorded in "Accumulated other comprehensive income (loss)" in the Company's consolidated statements of equity.

Financial Liabilities Not Measured At Fair Value But For Which Fair Value Is Required To Be Disclosed

	Carrying Value		Estimated Fair Value
	March 31,		March 31,		Fair Value Measurement Using
	2013		2013		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	78,361	$	78,361	$	78,361	$	-	$	-
Pawn loans		202,982		202,982		-		-		202,982
Consumer loans, net		253,801		253,801		-		-		253,801
Pawn loan fees and service charges receivable		40,560		40,560		-		-		40,560
Total	$	575,704	$	575,704	$	78,361	$	-	$	497,343
Financial liabilities:
Domestic and Multi-currency Line of credit	$	179,321	$	183,898	$	-	$	183,898	$	-
Senior unsecured notes		160,038		164,012		-		164,012		-
2009 Convertible Notes		111,024		239,775		-		239,775		-
Total	$	450,383	$	587,685	$	-	$	587,685	$	-
	Carrying Value		Estimated Fair Value
	March 31,		March 31,		Fair Value Measurement Using
	2012		2012		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	63,606	$	63,606	$	63,606	$	-	$	-
Pawn loans		206,343		206,343		-		-		206,343
Consumer loans, net		200,365		200,365		-		-		200,365
Pawn loan fees and service charges receivable		38,797		38,797		-		-		38,797
Total	$	509,111	$	509,111	$	63,606	$	-	$	445,505
Financial liabilities:
Domestic and Multi-currency Line of credit	$	156,113	$	162,053	$	-	$	162,053	$	-
Senior unsecured notes		143,977		142,501		-		142,501		-
2009 Convertible Notes		107,818		225,544		-		225,544		-
Total	$	407,908	$	530,098	$	-	$	530,098	$	-
	Carrying Value		Estimated Fair Value
	December 31,		December 31,		Fair Value Measurement Using
	2012		2012		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	63,134	$	63,134	$	63,134	$	-	$	-
Pawn loans		244,640		244,640		-		-		244,640
Consumer loans, net		289,418		289,418		-		-		289,418
Pawn loan fees and service charges receivable		48,991		48,991		-		-		48,991
Total	$	646,183	$	646,183	$	63,134	$	-	$	583,049
Financial liabilities:
Domestic and Multi-currency Line of credit	$	301,011	$	309,969	$	-	$	309,969	$	-
Senior unsecured notes		167,122		165,961		-		165,961		-
2009 Convertible Notes		110,197		186,300		-		186,300		-
Total	$	578,330	$	662,230	$	-	$	662,230	$	-

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Operating Segment Information (Tables)

3 Months Ended

Mar. 31, 2013

Operating Segment Information [Abstract]

Current Classification Of Administrative And Operating Expenses

	Retail Services						E-Commerce
	Domestic		Foreign		Total		Domestic		Foreign		Total		Corporate		Consolidated
Three Months Ended March 31, 2013
Revenue
Pawn loan fees and service charges	$	74,174	$	1,740	$	75,914	$	-	$	-	$	-	$	-	$	75,914
Proceeds from disposition of merchandise		174,150		4,567		178,717		-		-		-		-		178,717
Consumer loan fees		28,322		-		28,322		90,641		91,242		181,883		-		210,205
Other		2,500		93		2,593		441		7		448		251		3,292
Total revenue		279,146		6,400		285,546		91,082		91,249		182,331		251		468,128
Cost of revenue
Disposed merchandise		117,687		3,648		121,335		-		-		-		-		121,335
Consumer loan loss provision		6,778		-		6,778		29,823		38,251		68,074		-		74,852
Total cost of revenue		124,465		3,648		128,113		29,823		38,251		68,074		-		196,187
Net revenue		154,681		2,752		157,433		61,259		52,998		114,257		251		271,941
Expenses
Operations and administration		90,702		3,603		94,305		30,755		34,827		65,582		16,937		176,824
Depreciation and amortization		8,801		399		9,200		3,883		560		4,443		3,888		17,531
Total expenses		99,503		4,002		103,505		34,638		35,387		70,025		20,825		194,355
Income (loss) from operations	$	55,178	$	(1,250)	$	53,928	$	26,621	$	17,611	$	44,232	$	(20,574)	$	77,586
As of March 31, 2013
Total assets	$	915,772	$	128,534	$	1,044,306	$	374,513	$	185,439	$	559,952	$	131,189	$	1,735,447
Goodwill					$	400,871					$	210,369			$	611,240

	Retail Services						E-Commerce
	Domestic		Foreign		Total		Domestic		Foreign		Total		Corporate		Consolidated
Three Months Ended March 31, 2012
Revenue
Pawn loan fees and service charges	$	69,413	$	3,486	$	72,899	$	-	$	-	$	-	$	-	$	72,899
Proceeds from disposition of merchandise		195,986		12,397		208,383		-		-		-		-		208,383
Consumer loan fees		29,372		-		29,372		69,124		74,344		143,468		-		172,840
Other		2,962		49		3,011		165		(6)		159		196		3,366
Total revenue		297,733		15,932		313,665		69,289		74,338		143,627		196		457,488
Cost of revenue
Disposed merchandise		127,128		11,193		138,321		-		-		-		-		138,321
Consumer loan loss provision		4,466		-		4,466		21,954		35,963		57,917		-		62,383
Total cost of revenue		131,594		11,193		142,787		21,954		35,963		57,917		-		200,704
Net revenue		166,139		4,739		170,878		47,335		38,375		85,710		196		256,784
Expenses
Operations and administration		91,259		8,194		99,453		23,816		26,723		50,539		20,163		170,155
Depreciation and amortization		7,132		1,128		8,260		2,612		263		2,875		3,486		14,621
Total expenses		98,391		9,322		107,713		26,428		26,986		53,414		23,649		184,776
Income (loss) from operations	$	67,748	$	(4,583)	$	63,165	$	20,907	$	11,389	$	32,296	$	(23,453)	$	72,008
As of March 31, 2012
Total assets	$	844,689	$	123,245	$	967,934	$	339,199	$	143,757	$	482,956	$	131,847	$	1,582,737
Goodwill					$	357,459					$	210,371			$	567,830

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Voluntary Reimbursements to Ohio Customers (Details) (USD $) In Millions, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Dec. 04, 2012
Voluntary Reimbursements [Abstract]
Number Of Customers Reimbursed		14,000
Ohio Reimbursements Expense	$ 13.4
Payments made to customer	$ 0

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Derivative Instruments (Tables)

3 Months Ended

Mar. 31, 2013

Derivative Instruments [Abstract]

Schedule Of Derivative Assets At Fair Value [Table Text Block]

Assets	As of March 31, 2013
Non-designated derivatives:		Notional Amount		Gross Amounts of Recognized Assets	Gross Amounts Offset in the Consolidated Balance Sheet(a)		Net Amounts of Assets Presented in the Consolidated Balance Sheet(b)
Forward currency exchange contracts	$	86,456	$	-	$	(407)	$	(407)
Assets	As of March 31, 2012
Non-designated derivatives:		Notional Amount		Gross Amounts of Recognized Assets	Gross Amounts Offset in the Consolidated Balance Sheet(a)		Net Amounts of Assets Presented in the Consolidated Balance Sheet(b)
Forward currency exchange contracts	$	76,671	$	-	$	(396)	$	(396)
Assets	As of December 31, 2012
Non-designated derivatives:		Notional Amount		Gross Amounts of Recognized Assets	Gross Amounts Offset in the Consolidated Balance Sheet(a)		Net Amounts of Assets Presented in the Consolidated Balance Sheet(b)
Forward currency exchange contracts	$	93,813	$	-	$	(406)	$	(406)

(b)

Represents the fair value of forward currency exchange contracts, which is recorded in “Prepaid expenses and other assets” in the consolidated balance sheets.

As of March 31, 2013, the Company had no gross amounts of recognized derivative instruments that the Company makes an accounting policy election not to offset. In addition, there is no financial collateral related to the Company's derivatives. The Company has no liabilities that are subject to an enforceable master netting agreement or similar arrangement.

(a)

Effect Of Derivative Instruments

		Gains (Losses) Recognized in Income				Gains Recognized in OCI				Gains (Losses) Reclassified From OCI into Income
		Three Months Ended				Three Months Ended				Three Months Ended
		March 31,				March 31,				March 31,
		2013		2012		2013		2012		2013		2012
Derivatives designated as hedges:
Interest rate contracts	$	-	$	-	$	-	$	12	$	-	$	-
Total	$	-	$	-	$	-	$	12	$	-	$	-
Non-designated derivatives:
Forward currency exchange contracts(a)	$	5,317	$	(2,910)	$	-	$	-	$	-	$	-
Total	$	5,317	$	(2,910)	$	-	$	-	$	-	$	-

The gains/(losses) on these derivatives substantially offset the (losses)/gains on the hedged portion of foreign intercompany balances.

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Reorganization Of Mexico-based Pawn Operations (Narrative) (Details)	3 Months Ended
	Mar. 31, 2013
Restructuring And Related Activities [Abstract]
Restructuring and Related Activities, Initiation Date	Sep. 24, 2012
Restructuring and Related Activities, Completion Date	Dec. 31, 2012
Number Of Stores Operating After Restructure	47
Number Of Stores Closed	148

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Consolidated Statements Of Cash Flows (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Cash Flows from Operating Activities
Net Income	$ 43,922	$ 40,523
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	17,531	14,621
Amortization of debt discount and issuance costs	1,320	929
Consumer loan loss provision	74,852	62,383
Stock-based compensation	1,568	1,555
Deferred income taxes, net	7,109	4,198
Excess income tax benefit from stock-based compensation	(513)	(1,289)
Other	1,762	458
Changes in operating assets and liabilities, net of assets acquired:
Merchandise other than forfeited	11,434	8,592
Pawn loan fees and service charges receivable	8,454	9,470
Finance and service charges on consumer loans	3,493	2,781
Prepaid expenses and other assets	(137)	(1,778)
Accounts payable and accrued expenses	(7,186)	(16,251)
Current and noncurrent income taxes	13,559	8,734
Other operating assets and liabilities	1,393	1,587
Net cash provided by operating activities	178,561	136,513
Cash Flows from Investing Activities
Pawn loans made	(163,016)	(172,027)
Pawn loans repaid	129,093	132,570
Principal recovered through dispositions of forfeited pawn loans	84,745	101,624
Consumer loans made or purchased	(469,625)	(416,429)
Consumer loans repaid	422,015	368,371
Acquisitions, net of cash acquired	(213)	(4,184)
Purchases of property and equipment	(9,462)	(16,665)
Other investing activities	399	0
Net cash (used in) provided by investing activities	(6,064)	(6,740)
Cash Flows from Financing Activities
Net payments under bank lines of credit	(121,690)	(124,726)
Net proceeds from re-issuance of treasury shares	0	499
Payments on notes payable and other obligations	(7,084)	(5,417)
Excess income tax benefit from stock-based compensation	513	1,289
Treasury shares purchased	(23,369)	(1,936)
Dividends paid	(1,013)	(1,031)
Net cash used in financing activities	(152,643)	(131,322)
Effect of exchange rates on cash	(4,627)	2,613
Net increase in cash and cash equivalents	15,227	1,064
Cash and cash equivalents at beginning of year	63,134	62,542
Cash and cash equivalents at end of period	78,361	63,606
Non-cash investing and financing activities
Pawn loans forfeited and transferred to merchandise held for disposition	75,809	88,066
Pawn loans renewed	65,453	70,823
Consumer loans renewed	$ 163,760	$ 159,738

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Reorganization Of Mexico-based Pawn Operations (Summary Of Accrued Expenses And Changes in Accrued Balance) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2013
Restructuring Cost And Reserve [Line Items]
Restructuring Reserve, beginning	$ 109
Charges	0
Cash Payment	(106)
Foreign currency changes	(3)
Restructuring Reserve, ending	0
Lease Termination Costs [Member]
Restructuring Cost And Reserve [Line Items]
Restructuring Reserve, beginning	109
Charges	0
Cash Payment	(106)
Foreign currency changes	(3)
Restructuring Reserve, ending	$ 0

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Long-Term Debt (Schedule Of Long-Term Debt) (Details) (USD $)	3 Months Ended
	Mar. 31, 2013	Dec. 31, 2012	Mar. 31, 2012
Debt Instrument [Line Items]
Total debt	$ 450,383,000	$ 578,330,000	$ 407,908,000
Less current portion	22,606,000	43,617,000	35,939,000
Total long-term debt	427,777,000	534,713,000	371,969,000
Domestic And Multi-Currency Line Of Credit Up To $380,000 [Member]
Debt Instrument [Line Items]
Total debt	179,321,000	301,011,000	156,113,000
Domestic And Multi-Currency Line Of Credit Up To $100,000 Due 2013 [Member]
Debt Instrument [Line Items]
Maximum borrowing capacity	100,000,000
Debt instrument, maturity date	May 29, 2013
Domestic And Multi-Currency Line Of Credit Up To $280,000 Due 2015 [Member]
Debt Instrument [Line Items]
Maximum borrowing capacity	280,000,000
6.00% Series A Senior Unsecured Notes Due 2019 [Member]
Debt Instrument [Line Items]
Total debt	47,000,000	47,000,000	0
Debt instrument, maturity year	2019
Debt instrument, interest rate	6.00%
6.58% Series B Senior Unsecured Notes Due 2022 [Member]
Debt Instrument [Line Items]
Total debt	5,000,000	5,000,000	0
Debt instrument, maturity year	2022
Debt instrument, interest rate	6.58%
6.21% Senior Unsecured Notes Due 2021 [Member]
Debt Instrument [Line Items]
Total debt	20,455,000	20,455,000	22,727,000
Debt instrument, maturity year	2021
Debt instrument, interest rate	6.21%
6.09% Senior Unsecured Notes Due 2016 [Member]
Debt Instrument [Line Items]
Total debt	28,000,000	28,000,000	35,000,000
Debt instrument, maturity year	2016
Debt instrument, interest rate	6.09%
6.12% Senior Unsecured Notes Due 2012 [Member]
Debt Instrument [Line Items]
Total debt	0	0	13,333,000
Debt instrument, maturity year	2012
Debt instrument, interest rate	6.12%
7.26% Senior Unsecured Notes Due 2017 [Member]
Debt Instrument [Line Items]
Total debt	20,000,000	25,000,000	25,000,000
Debt instrument, maturity year	2017
Debt instrument, interest rate	7.26%
Variable Rate Senior Unsecured Note Due 2015 [Member]
Debt Instrument [Line Items]
Total debt	39,583,000	41,667,000	47,917,000
Debt instrument, maturity year	2015
Debt instrument, maturity date	Mar. 31, 2015
5.25% Convertible Senior Unsecured Notes Due 2029 [Member]
Debt Instrument [Line Items]
Total debt	$ 111,024,000	$ 110,197,000	$ 107,818,000
Debt instrument, maturity year	2029
Debt instrument, interest rate	5.25%

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Consolidated Balance Sheet (USD $) In Thousands, unless otherwise specified	Mar. 31, 2013	Dec. 31, 2012	Mar. 31, 2012
Current assets:
Cash and cash equivalents	$ 78,361	$ 63,134	$ 63,606
Pawn loans	202,982	244,640	206,343
Consumer loans, net	253,801	289,418	200,365
Merchandise held for disposition, net	146,041	167,409	139,519
Pawn loan fees and service charges receivable	40,560	48,991	38,797
Income Taxes Receivable	15,522	0	0
Prepaid expenses and other assets	38,431	35,605	34,213
Deferred tax assets	45,771	48,992	32,312
Total current assets	821,469	898,189	715,155
Property and equipment, net	255,165	261,771	250,722
Goodwill	611,240	608,216	567,830
Intangible assets, net	35,168	36,473	33,956
Other assets	12,405	13,609	15,074
Total assets	1,735,447	1,818,258	1,582,737
Current liabilities:
Accounts payable and accrued expenses	115,886	126,664	88,472
Customer deposits	12,826	11,420	11,464
Income taxes currently payable	0	5,922	19,894
Current portion of long-term debt	22,606	43,617	35,939
Total current liabilities	151,318	187,623	155,769
Deferred tax liabilities	104,524	101,711	92,277
Noncurrent income tax payable	37,094	2,703	2,602
Other liabilities	1,418	888	1,254
Long-term debt	427,777	534,713	371,969
Total liabilities	722,131	827,638	623,871
Stockholders Equity [Abstract]
Common stock, $0.10 par value per share, 80,000,000 shares authorized, 30,235,164 shares issued and outstanding	3,024	3,024	3,024
Additional paid-in capital	155,617	157,613	164,722
Retained earnings	922,347	879,434	816,496
Accumulated other comprehensive income (loss)	4,202	3,128	3,460
Treasury shares, at cost (1,713,387 shares, 888,336 shares and 1,351,712 shares at March 31, 2013 and 2012, and at December 31, 2012, respectively)	(70,596)	(51,304)	(33,051)
Total Cash America International, Inc. shareholders' equity	1,014,594	991,895	954,651
Noncontrolling interest	(1,278)	(1,275)	4,215
Total equity	1,013,316	990,620	958,866
Total liabilities and equity	$ 1,735,447	$ 1,818,258	$ 1,582,737

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Fair Value Measurements (Narrative)(Details)	3 Months Ended
	Mar. 31, 2013 D
Fair Value Measurements [Abstract]
Term Of Loan	90
Cash And Cash Equivalent Maturity Period	90

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Consolidated Statements of Comprehensive Income (Parenthetical) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Consolidated Statements Of Comprehensive Income [Abstract]
Tax (provision) of unrealized derivatives gain	$ 0	$ (6)
Tax (provision)/ benefit of foreign currency translation gain	1,420	(1,105)
Tax (provision)/benefit of marketable securities unrealized gain	$ (345)	$ (403)

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Consumer Loans, Credit Quality Information And Allowances And Liabilities For Estimated Losses On Consumer Loans (Schedule Of Consumer Loan Fee Revenue) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Consumer Loans, Credit Quality Information And Allowances And Liabilities For Losses On Consumer Loans [Line Items]
Consumer loan revenue	$ 210,205	$ 172,840
Short-Term Loans [Member]
Consumer Loans, Credit Quality Information And Allowances And Liabilities For Losses On Consumer Loans [Line Items]
Consumer loan revenue	140,215	136,642
Installment Loans [Member]
Consumer Loans, Credit Quality Information And Allowances And Liabilities For Losses On Consumer Loans [Line Items]
Consumer loan revenue	46,756	24,547
L O C [Member]
Consumer Loans, Credit Quality Information And Allowances And Liabilities For Losses On Consumer Loans [Line Items]
Consumer loan revenue	$ 23,234	$ 11,651

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Significant Accounting Policies (Policy)

3 Months Ended

Mar. 31, 2013

Significant Accounting Policies [Abstract]

Basis Of Presentation

1. Significant Accounting Policies

Basis of Presentation

The consolidated financial statements include all of the accounts of Cash America International, Inc. and its subsidiaries (the “Company”). All significant intercompany accounts and transactions have been eliminated in consolidation.

The financial statements as of March 31, 2013 and 2012 and for the three-month periods then ended are unaudited but, in management's opinion, include all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for such interim periods. The year-end consolidated balance sheet data was derived from audited financial statements, but does not include all disclosures required by generally accepted accounting principles in the United States of America (“GAAP”). Operating results for the three-month period are not necessarily indicative of the results that may be expected for the full fiscal year.

These financial statements and related notes should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended December 31, 2012.

The Company has a contractual relationship with a third party entity, Huminal, S.A. de C.V., a Mexican sociedad anónima de capital variable (“Huminal”). One of the Company's subsidiaries qualifies as the primary beneficiary of Huminal in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 810, Consolidation(“ASC 810”). Therefore, the results and balances of Huminal are consolidated and allocated to net income attributable to noncontrolling interests.

Adopted Accounting Standards

Adopted Accounting Standards

In February 2013, the FASB issued Accounting Standards Update (“ASU”) No. 2013-02, Comprehensive Income (Topic 220) — Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income (“ASU 2013-02”), which improves the reporting of reclassifications out of accumulated other comprehensive income. ASU 2013-02 requires an entity to report the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under GAAP to be reclassified in its entirety to net income. For other amounts that are not required under GAAP to be reclassified in their entirety from accumulated other comprehensive income to net income in the same reporting period, an entity is required to cross-reference other disclosures required under GAAP that provide additional detail about those amounts. The Company adopted ASU 2013-02 on January 1, 2013, and the adoption did not have a material effect on its financial position,results of operations or other comprehensive income. See Notes 12 and 13.

In July 2012, the FASB issued ASU No. 2012-02, Intangibles—Goodwill and Other (Topic 350): Testing Indefinite-Lived Intangible Assets for Impairment (“ASU 2012-02”). ASU 2012-02 provides companies with the option to assess qualitative factors to determine whether the existence of events and circumstances indicates that it is more likely than not (a likelihood of more than 50 percent) that the indefinite-lived intangible asset is impaired. If a company concludes that it is more likely than not that the asset is impaired, it is required to determine the fair value of the intangible asset and perform the quantitative impairment test by comparing the fair value with the carrying value in accordance with ASC 350, Intangibles—Goodwill and Other. If a company concludes otherwise, no further quantitative assessment is required. ASU 2012-02 is effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012, although early adoption is permitted. The Company adopted ASU 2012-02 on January 1, 2013, and the adoption did not have a material effect on its financial position or results of operations. The Company's annual indefinite-lived intangible asset impairment test will be performed during the second quarter of 2013.

In December 2011, the FASB issued ASU No. 2011-11, Disclosures about Offsetting Assets and Liabilities (Topic 210) (“ASU 2011-11”). ASU 2011-11 requires a company to provide enhanced disclosures about financial instruments and derivative instruments that are either presented on a net basis in the statement of financial position or are subject to an enforceable master netting or similar arrangement. In January 2013, the FASB issued ASU No.2013-01, Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities (“ASU 2013-01”), which limits the scope of ASU 2011-11 by requiring additional disclosure about financial instruments and derivative instruments that are either offset in the statement of financial position or subject to an enforceable master netting arrangement. ASU 2013-01 requires retrospective disclosure for all comparative periods. ASU 2011-11 and ASU 2013-01 are effective for annual and interim reporting periods beginning January 1, 2013. The Company adopted ASU 2011-11 and ASU 2013-01 on January 1, 2013, and the adoption of these standards did not have a material effect on its financial position or results of operations. See Note 13.

Accounting Standards to be Adopted in Future Periods

Accounting Standards to be Adopted in Future Periods

In March 2013, the FASB issued ASU No.2013-05,Foreign Currency Matters (Topic 830): Parent's Accounting for the Cumulative Translation Adjustment upon Derecognition of Certain Subsidiaries or Groups of Assets within a Foreign Entity or of an Investment in a Foreign Entity (a consensus of the FASB Emerging Issues Task Force)(“ASU 2013-05”), which applies to the release of the cumulative translation adjustment into net income when a parent either sells all or a part of its investment in a foreign entity or no longer holds a controlling financial interest in a subsidiary or group of assets that is a business (other than a sale of in substance real estate or conveyance of oil and gas mineral rights) within a foreign entity. ASU 2013-05is effective prospectively for fiscal years (and interim reporting periods within those years) beginning after December 15, 2013. The Company does not expect ASU 2013-05 to have a material effect on the Company's results of operations, financial condition, or other comprehensive income.

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Consumer Loans, Credit Quality Information And Allowances And Liabilities For Estimated Losses On Consumer Loans (Components Of Company-Owned Consumer Loans And Receivables) (Details) (USD $) In Thousands, unless otherwise specified	Mar. 31, 2013	Dec. 31, 2012	Mar. 31, 2012	Dec. 31, 2011
Consumer Loans, Credit Quality Information And Allowances And Liabilities For Losses On Consumer Loans [Line Items]
Current loans	$ 261,949	$ 300,976	$ 201,285
Delinquent loans	69,519	74,145	57,793
Total consumer loans, gross	331,468	375,121	259,078
Less: Allowance for losses	(77,667)	(85,703)	(58,713)	(63,072)
Consumer loans, net	253,801	289,418	200,365
Short-Term Loans [Member]
Consumer Loans, Credit Quality Information And Allowances And Liabilities For Losses On Consumer Loans [Line Items]
Current loans	119,280	146,732	117,877
Delinquent loans	48,448	52,565	45,941
Total consumer loans, gross	167,728	199,297	163,818
Less: Allowance for losses	(42,570)	(45,982)	(39,907)	(46,406)
Consumer loans, net	125,158	153,315	123,911
Installment Loans [Member]
Consumer Loans, Credit Quality Information And Allowances And Liabilities For Losses On Consumer Loans [Line Items]
Current loans	110,630	117,641	65,127
Delinquent loans	16,155	15,483	10,018
Total consumer loans, gross	126,785	133,124	75,145
Less: Allowance for losses	(27,033)	(28,614)	(15,288)	(12,943)
Consumer loans, net	99,752	104,510	59,857
L O C [Member]
Consumer Loans, Credit Quality Information And Allowances And Liabilities For Losses On Consumer Loans [Line Items]
Current loans	32,039	36,603	18,281
Delinquent loans	4,916	6,097	1,834
Total consumer loans, gross	36,955	42,700	20,115
Less: Allowance for losses	(8,064)	(11,107)	(3,518)	(3,723)
Consumer loans, net	$ 28,891	$ 31,593	$ 16,597

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Consumer Loans, Credit Quality Information And Allowances And Liabilities For Estimated Losses On Consumer Loans (Tables)

3 Months Ended

Mar. 31, 2013

Consumer Loans, Credit Quality Information And Allowances And Liabilities For Estimated Losses On Consumer Loans [Abstract]

Schedule Of Consumer Loan Fee Revenue

	Three Months Ended March 31,
	2013		2012
Interest and fees on short-term loans	$	140,215	$	136,642
Interest and fees on line of credit accounts		23,234		11,651
Interest and fees on installment loans		46,756		24,547
Total consumer loan revenue	$	210,205	$	172,840

Components Of Company-Owned Consumer Loans And Receivables

	As of March 31, 2013
		Short-term Loans		Line of Credit Accounts		Installment Loans		Total
Current loans	$	119,280	$	32,039	$	110,630	$	261,949
Delinquent loans		48,448		4,916		16,155		69,519
Total consumer loans, gross		167,728		36,955		126,785		331,468
Less: allowance for losses		(42,570)		(8,064)		(27,033)		(77,667)
Consumer loans, net	$	125,158	$	28,891	$	99,752	$	253,801
	As of March 31, 2012
		Short-term Loans		Line of Credit Accounts		Installment Loans		Total
Current loans	$	117,877	$	18,281	$	65,127	$	201,285
Delinquent loans		45,941		1,834		10,018		57,793
Total consumer loans, gross		163,818		20,115		75,145		259,078
Less: allowance for losses		(39,907)		(3,518)		(15,288)		(58,713)
Consumer loans, net	$	123,911	$	16,597	$	59,857	$	200,365
	As of December 31, 2012
		Short-term Loans		Line of Credit Accounts		Installment Loans		Total
Current loans	$	146,732	$	36,603	$	117,641	$	300,976
Delinquent loans		52,565		6,097		15,483		74,145
Total consumer loans, gross		199,297		42,700		133,124		375,121
Less: allowance for losses		(45,982)		(11,107)		(28,614)		(85,703)
Consumer loans, net	$	153,315	$	31,593	$	104,510	$	289,418

Changes In Allowance For Losses

	Three Months Ended March 31, 2013
	Short-term Loans		Line of Credit Accounts		Installment Loans		Total
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	45,982	$	11,107	$	28,614	$	85,703
Consumer loan loss provision		46,553		6,553		23,149		76,255
Charge-offs		(60,790)		(11,202)		(27,744)		(99,736)
Recoveries		10,825		1,606		3,014		15,445
Balance at end of period	$	42,570	$	8,064	$	27,033	$	77,667
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	2,934	$	-	$	564	$	3,498
Decrease in liability		(1,387)		-		(16)		(1,403)
Balance at end of period	$	1,547	$	-	$	548	$	2,095
	Three Months Ended March 31, 2012
	Short-term Loans		Line of Credit Accounts		Installment Loans		Total
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	46,406	$	3,723	$	12,943	$	63,072
Consumer loan loss provision		45,534		3,420		14,498		63,452
Charge-offs		(61,255)		(4,021)		(13,337)		(78,613)
Recoveries		9,222		396		1,184		10,802
Balance at end of period	$	39,907	$	3,518	$	15,288	$	58,713
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	2,617	$	-	$	445	$	3,062
Decrease in liability		(987)		-		(82)		(1,069)
Balance at end of period	$	1,630	$	-	$	363	$	1,993

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Consolidated Statements Of Equity (USD $) In Thousands, except Share data	Total		Common Stock [Member]	Additional Paid In Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]	Treasury Stock [Member]	Total Stock Holders Equity [Member]	Minority Interest And Earnings Losses Equity Investments [Member]
Beginning Balance at Dec. 31, 2011	$ 907,590		$ 3,024	$ 167,683	$ 776,060	$ (6,896)	$ (37,419)	$ 902,452	$ 5,138
Beginning Balance, in shares, at Dec. 31, 2011			30,235,164				(1,011,356)
Shares issued under stock-based plans	499			(5,805)			6,304	499
Shares issued under stock-based plans, in shares							167,765
Stock-based compensation expense	1,555			1,555				1,555
Income tax benefit from stock-based compensation	1,289			1,289				1,289
Net income attributable to Cash America International, Inc.	41,467				41,467			41,467
Dividends paid	(1,031)				(1,031)			(1,031)
Unrealized derivatives gain, net of tax	12					12		12
Foreign currency translation gain (loss), net of tax	9,615	[1]				9,594		9,594	21
Marketable Securities Unrealized gain (loss), Net of Tax	750	[2]				750		750
Purchases of treasury shares, in shares							(44,745)
Purchases of treasury shares	(1,936)						(1,936)	(1,936)
Loss attributable to the noncontrolling interest	(944)								(944)
Balance at Mar. 31, 2012	958,866		3,024	164,722	816,496	3,460	(33,051)	954,651	4,215
Balance, in shares, at Mar. 31, 2012			30,235,164				(888,336)
Beginning Balance at Dec. 31, 2012	990,620		3,024	157,613	879,434	3,128	(51,304)	991,895	(1,275)
Beginning Balance, in shares, at Dec. 31, 2012			30,235,164				(1,351,712)
Shares issued under stock-based plans	0			(4,077)			4,077	0
Shares issued under stock-based plans, in shares							106,080
Stock-based compensation expense	1,568			1,568				1,568
Income tax benefit from stock-based compensation	513			513				513
Net income attributable to Cash America International, Inc.	43,926				43,926			43,926
Dividends paid	(1,013)				(1,013)			(1,013)
Unrealized derivatives gain, net of tax	0					0		0
Foreign currency translation gain (loss), net of tax	434	[1]				433		433	1
Marketable Securities Unrealized gain (loss), Net of Tax	641	[2]				641		641
Purchases of treasury shares, in shares							(467,755)
Purchases of treasury shares	(23,369)						(23,369)	(23,369)
Loss attributable to the noncontrolling interest	(4)								(4)
Purchase of noncontrolling interest	0			0				0	0
Balance at Mar. 31, 2013	$ 1,013,316		$ 3,024	$ 155,617	$ 922,347	$ 4,202	$ (70,596)	$ 1,014,594	$ (1,278)
Balance, in shares, at Mar. 31, 2013			30,235,164				(1,713,387)

[1] Net of tax benefit (provision) of $1,420 and $(1,105) for the three months ended March 31, 2013 and 2012, respectively.

[2] Net of tax benefit (provision) of $(345) and $(403) for the three months ended March 31, 2013 and 2012, respectively.

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Consolidated Balance Sheets (Parenthetical) (USD $)	Mar. 31, 2013	Dec. 31, 2012	Mar. 31, 2012
Consolidated Balance Sheets [Abstract]
Common stock, par value per share	$ 0.10	$ 0.10	$ 0.10
Common stock, shares authorized	80,000,000	80,000,000	80,000,000
Common stock, shares issued	30,235,164	30,235,164	30,235,164
Treasury shares, at cost	1,713,387	1,351,712	888,336

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Operating Segment Information

3 Months Ended

Mar. 31, 2013

Operating Segment Information [Abstract]

Operating Segment Information

9. Operating Segment Information

The Company has two reportable operating segments: retail services and e-commerce. The retail services segment includes all of the operations of the Company's Retail Services Division, which is composed of both domestic and foreign storefront locations that offer some or all of the following services: pawn loans, consumer loans, the purchase and sale of merchandise, check cashing and other ancillary services such as money orders, wire transfers, prepaid debit cards, tax filing services and auto insurance. Most of these ancillary services offered in the retail services segment are provided through third-party vendors. The e-commerce segment includes the operations of the Company's E-Commerce Division, which is composed of the Company's domestic and foreign online lending channels through which the Company offers consumer loans. In the e-commerce segment, certain administration expenses are allocated between the domestic and foreign components based on the amount of loans written and renewed. The Company reports corporate operations separately from its retail services and e-commerce segment information. Corporate operations primarily include corporate expenses, such as legal, occupancy, and other costs related to corporate service functions, such as executive oversight, insurance and risk management, public and government relations, internal audit, treasury, payroll, compliance and licensing, finance, accounting, tax and information systems (except for online lending systems, which are included in the e-commerce segment). Corporate income includes miscellaneous income not directly attributable to the Company's segments. Corporate assets primarily include corporate property and equipment, nonqualified savings plan assets, marketable securities, foreign exchange forward contracts and prepaid insurance.

The following tables contain operating segment data for the three months ended March 31, 2013 and 2012 by segment, for the Company's corporate operations and on a consolidated basis (dollars in thousands):

	Retail Services						E-Commerce
	Domestic		Foreign		Total		Domestic		Foreign		Total		Corporate		Consolidated
Three Months Ended March 31, 2013
Revenue
Pawn loan fees and service charges	$	74,174	$	1,740	$	75,914	$	-	$	-	$	-	$	-	$	75,914
Proceeds from disposition of merchandise		174,150		4,567		178,717		-		-		-		-		178,717
Consumer loan fees		28,322		-		28,322		90,641		91,242		181,883		-		210,205
Other		2,500		93		2,593		441		7		448		251		3,292
Total revenue		279,146		6,400		285,546		91,082		91,249		182,331		251		468,128
Cost of revenue
Disposed merchandise		117,687		3,648		121,335		-		-		-		-		121,335
Consumer loan loss provision		6,778		-		6,778		29,823		38,251		68,074		-		74,852
Total cost of revenue		124,465		3,648		128,113		29,823		38,251		68,074		-		196,187
Net revenue		154,681		2,752		157,433		61,259		52,998		114,257		251		271,941
Expenses
Operations and administration		90,702		3,603		94,305		30,755		34,827		65,582		16,937		176,824
Depreciation and amortization		8,801		399		9,200		3,883		560		4,443		3,888		17,531
Total expenses		99,503		4,002		103,505		34,638		35,387		70,025		20,825		194,355
Income (loss) from operations	$	55,178	$	(1,250)	$	53,928	$	26,621	$	17,611	$	44,232	$	(20,574)	$	77,586
As of March 31, 2013
Total assets	$	915,772	$	128,534	$	1,044,306	$	374,513	$	185,439	$	559,952	$	131,189	$	1,735,447
Goodwill					$	400,871					$	210,369			$	611,240

	Retail Services						E-Commerce
	Domestic		Foreign		Total		Domestic		Foreign		Total		Corporate		Consolidated
Three Months Ended March 31, 2012
Revenue
Pawn loan fees and service charges	$	69,413	$	3,486	$	72,899	$	-	$	-	$	-	$	-	$	72,899
Proceeds from disposition of merchandise		195,986		12,397		208,383		-		-		-		-		208,383
Consumer loan fees		29,372		-		29,372		69,124		74,344		143,468		-		172,840
Other		2,962		49		3,011		165		(6)		159		196		3,366
Total revenue		297,733		15,932		313,665		69,289		74,338		143,627		196		457,488
Cost of revenue
Disposed merchandise		127,128		11,193		138,321		-		-		-		-		138,321
Consumer loan loss provision		4,466		-		4,466		21,954		35,963		57,917		-		62,383
Total cost of revenue		131,594		11,193		142,787		21,954		35,963		57,917		-		200,704
Net revenue		166,139		4,739		170,878		47,335		38,375		85,710		196		256,784
Expenses
Operations and administration		91,259		8,194		99,453		23,816		26,723		50,539		20,163		170,155
Depreciation and amortization		7,132		1,128		8,260		2,612		263		2,875		3,486		14,621
Total expenses		98,391		9,322		107,713		26,428		26,986		53,414		23,649		184,776
Income (loss) from operations	$	67,748	$	(4,583)	$	63,165	$	20,907	$	11,389	$	32,296	$	(23,453)	$	72,008
As of March 31, 2012
Total assets	$	844,689	$	123,245	$	967,934	$	339,199	$	143,757	$	482,956	$	131,847	$	1,582,737
Goodwill					$	357,459					$	210,371			$	567,830

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Document And Entity Information	3 Months Ended
	Mar. 31, 2013	Apr. 22, 2013
Document And Entity Information [Abstract]
Document Type	10-Q
Document Period End Date	Mar. 31, 2013
Amendment Flag	false
Entity Registrant Name	CASH AMERICA INTERNATIONAL INC
Entity Central Index Key	0000807884
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		28,533,220
Document Fiscal Year	2013
Document Fiscal Period Focus	Q1

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Litigation

3 Months Ended

Mar. 31, 2013

Litigation [Abstract]

Litigation

10. Litigation

On August 6, 2004, James E. Strong filed a purported class action lawsuit in the State Court of Cobb County, Georgia against Georgia Cash America, Inc., Cash America International, Inc. (together with Georgia Cash America, Inc., “Cash America”), Daniel R. Feehan, and several unnamed officers, directors, owners and “stakeholders” of Cash America. In August 2006, James H. Greene and Mennie Johnson were permitted to join the lawsuit as named plaintiffs, and in June 2009, the court agreed to the removal of James E. Strong as a named plaintiff. The lawsuit alleges many different causes of action, among the most significant of which is that Cash America made illegal short-term loans in Georgia in violation of Georgia's usury law, the Georgia Industrial Loan Act and Georgia's Racketeer Influenced and Corrupt Organizations Act (“RICO”). First National Bank of Brookings, South Dakota (“FNB”) and Community State Bank of Milbank, South Dakota (“CSB”) for some time made loans to Georgia residents through Cash America's Georgia operating locations. The complaint in this lawsuit claims that Cash America was the true lender with respect to the loans made to Georgia borrowers and that FNB and CSB's involvement in the process is “a mere subterfuge.” Based on this claim, the suit alleges that Cash America was the “de facto” lender and was illegally operating in Georgia. The complaint seeks unspecified compensatory damages, attorney's fees, punitive damages and the trebling of any compensatory damages. In November 2009 the case was certified as a class action lawsuit. In August 2011, Cash America filed a motion for summary judgment, and in October 2011, the plaintiffs filed a cross-motion for partial summary judgment. Hearings on the motions were held in October and November 2011, and the trial court entered an order granting summary judgment in favor of Cash America on one of the plaintiff's claims, denying the remainder of Cash America's motion and granting the plaintiff's cross-motion for partial summary judgment. Cash America filed a notice of appeal with the Georgia Court of Appeals in December 2011 on the grant of plaintiff's partial summary judgment, and on November 6, 2012, the Georgia Court of Appeals reversed the trial court's grant of partial summary judgment to plaintiffs and affirmed the trial court's denial of Cash America's motion for summary judgment. Cash America filed a Petition for Certiorari with the Supreme Court of Georgia to appeal the decision of the Georgia Court of Appeals regarding Cash America's motion for summary judgment on November 26, 2012, which was denied on February 18, 2013. The Company is currently unable to estimate a range of reasonably possible losses, as defined by ASC 450-20-20, Contingencies—Loss Contingencies—Glossary, for this litigation. Cash America believes that the Plaintiffs' claims in this suit are without merit and is vigorously defending this lawsuit.

The Company is also a defendant in certain routine litigation matters encountered in the ordinary course of its business. Certain of these matters are covered to an extent by insurance. In the opinion of management, the resolution of these matters is not expected to have a material adverse effect on the Company's financial position, results of operations or liquidity.

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Consolidated Statements Of Income (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013		Mar. 31, 2012
Revenue
Pawn loan fees and service charges	$ 75,914		$ 72,899
Proceeds from disposition of merchandise	178,717		208,383
Consumer loan fees	210,205		172,840
Other	3,292		3,366
Total Revenue	468,128		457,488
Cost of Revenue
Disposed merchandise	121,335		138,321
Consumer loan loss provision	74,852		62,383
Total Cost of Revenue	196,187		200,704
Gross Profit
Net Revenue	271,941		256,784
Expenses
Operations and administration	176,824		170,155
Depreciation and amortization	17,531		14,621
Total Expenses	194,355		184,776
Operating Income (Loss) [Abstract]
Income from Operations	77,586		72,008
Income from Continuing Operations
Interest expense	(7,445)		(7,176)
Interest income	63		29
Foreign currency transaction (loss) gain	(377)		87
Equity in loss of unconsolidated subsidiary	(111)		(117)
Income from Continuing Operations before Income Taxes, Extraordinary Items, Noncontrolling Interest
Income before Income Taxes	69,716		64,831
Provision for income taxes	25,794		24,308
Net Income, Including Portion Attributable to Noncontrolling Interest
Net Income	43,922		40,523
Net Income Loss [Abstract]
Net loss attributable to the noncontrolling interest	4		944
Net Income Attributable to Cash America International, Inc.	$ 43,926		$ 41,467
Earnings Per Share:
Basic	$ 1.51	[1]	$ 1.40	[1]
Diluted	$ 1.40	[2]	$ 1.30	[2]
Weighted average common shares outstanding:
Basic	29,100		29,616
Diluted	31,371		31,912
Dividends declared per common share	$ 0.035		$ 0.035

[1] Includes vested and deferred restricted stock units of 310 and 279, as well as 31 and 32 shares held in the Company's nonqualified deferred compensation plan for the three months ended March 31, 2013 and 2012, respectively.

[2] There were 87 anti-dilutive shares for the three months ended March 31, 2013 and no anti-dilutive shares for the three months ended March 31, 2012.

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Consumer Loans, Credit Quality Information And Allowances And Liabilities For Estimated Losses On Consumer Loans

3 Months Ended

Mar. 31, 2013

Consumer Loans, Credit Quality Information And Allowances And Liabilities For Estimated Losses On Consumer Loans [Abstract]

Consumer Loans, Credit Quality Information And Allowances And Liabilities For Estimated Losses On Consumer Loans

4. Consumer Loans, Credit Quality Information on Consumer Loans, Allowance and Liability for Estimated Losses on Consumer Loans and Guarantees of Consumer Loans

Consumer loan fee revenue generated from the Company's consumer loans for the three months ended March 31, 2013 and 2012 was as follows (dollars in thousands):

	Three Months Ended March 31,
	2013		2012
Interest and fees on short-term loans	$	140,215	$	136,642
Interest and fees on line of credit accounts		23,234		11,651
Interest and fees on installment loans		46,756		24,547
Total consumer loan revenue	$	210,205	$	172,840

Current and Delinquent Consumer Loans

       The Company classifies its consumer loans as either current or delinquent. Short-term loans are considered delinquent when payment of an amount due is not made as of the due date. If a line of credit account or installment loan customer misses one payment, that payment is considered delinquent. If a line of credit account or installment loan customer does not make two consecutive payments, the entire account or loan is classified as delinquent. The Company allows for normal payment processing time before considering a loan delinquent but does not provide for any additional grace period.

       Where permitted by law, a customer may choose to renew a short-term loan contract or extend the due date on a short-term loan before it is considered delinquent by agreeing to pay the current finance charge for the right to make a later payment of the outstanding principal balance plus an additional finance charge. In addition, in some instances, customers agree to repay a new short-term loan in two or three payments, and in these cases the Company considers the obligation to make the first payment a new loan and the obligation to make the second and third payments renewals or extensions of that loan because the customer pays the finance charge due at the time of each payment, similar to a loan that has been renewed or extended. All references to renewals include both renewals and extensions made by customers to their existing short-term loans. If a short-term loan is renewed, but the customer fails to pay that loan's current finance charge as of the due date, the unpaid finance charge is classified as delinquent.

       The Company generally does not accrue interest on delinquent consumer loans and does not resume accrual of interest unless a loan is returned to current status. Delinquent consumer loans may not be renewed, and if, during its attempt to collect on a delinquent consumer loan, the Company allows additional time for payment through a payment plan or a promise to pay, it is still considered delinquent. All payments received are first applied against accrued but unpaid interest and fees and then against the principal balance of the loan.

Allowance and Liability for Estimated Losses on Consumer Loans

       The Company monitors the performance of its consumer loan portfolio and maintains either an allowance or liability for estimated losses on consumer loans (including fees and interest) at a level estimated to be adequate to absorb credit losses inherent in the portfolio. The allowance for losses on the Company's owned consumer loans reduces the outstanding loan balance in the consolidated balance sheets. The liability for estimated losses related to loans guaranteed by the Company under its credit services organization programs ("CSO programs"), which approximates the fair value of the liability, is included in “Accounts payable and accrued expenses” in the consolidated balance sheets.

       In determining the allowance or liability for estimated losses on consumer loans, the Company applies a documented systematic methodology. In calculating the allowance or liability for loan losses, outstanding loans are divided into discrete groups of short-term loans, line of credit accounts and installment loans and are analyzed as current or delinquent. Increases in either the allowance or the liability, net of charge-offs and recoveries, are recorded as a “Consumer loan loss provision” in the consolidated statements of income.

       The allowance or liability for short-term loans classified as current is based on historical loss rates adjusted for recent default trends for current loans. For delinquent short-term loans, the allowance or liability for estimated losses is based on a six-month rolling average of loss rates by stage of collection. For line of credit and installment loan portfolios, the Company generally uses a migration analysis to estimate losses inherent in the portfolio. The allowance or liability calculation under the migration analysis is based on historical charge-off experience and the loss emergence period, which represents the average amount of time between the first occurrence of a loss event to the charge-off of a loan. The factors the Company considers to assess the adequacy of the allowance or liability include past due performance, historical behavior of monthly vintages, underwriting changes and recent trends in delinquency in the migration analysis.

       The Company fully reserves and generally charges off consumer loans once the loan or a portion of the loan has been classified as delinquent for 60 consecutive days. If a loan is deemed uncollectible before it is fully reserved, it is charged off at that point. Consumer loans classified as delinquent generally have an age of one to 59 days from the date any portion of the loan became delinquent, as defined above. Recoveries on loans previously charged to the allowance are credited to the allowance when collected.

The components of Company-owned consumer loan portfolioreceivables as ofMarch 31, 2013and 2012 and December 31, 2012 were as follows (dollars in thousands):

	As of March 31, 2013
		Short-term Loans		Line of Credit Accounts		Installment Loans		Total
Current loans	$	119,280	$	32,039	$	110,630	$	261,949
Delinquent loans		48,448		4,916		16,155		69,519
Total consumer loans, gross		167,728		36,955		126,785		331,468
Less: allowance for losses		(42,570)		(8,064)		(27,033)		(77,667)
Consumer loans, net	$	125,158	$	28,891	$	99,752	$	253,801
	As of March 31, 2012
		Short-term Loans		Line of Credit Accounts		Installment Loans		Total
Current loans	$	117,877	$	18,281	$	65,127	$	201,285
Delinquent loans		45,941		1,834		10,018		57,793
Total consumer loans, gross		163,818		20,115		75,145		259,078
Less: allowance for losses		(39,907)		(3,518)		(15,288)		(58,713)
Consumer loans, net	$	123,911	$	16,597	$	59,857	$	200,365
	As of December 31, 2012
		Short-term Loans		Line of Credit Accounts		Installment Loans		Total
Current loans	$	146,732	$	36,603	$	117,641	$	300,976
Delinquent loans		52,565		6,097		15,483		74,145
Total consumer loans, gross		199,297		42,700		133,124		375,121
Less: allowance for losses		(45,982)		(11,107)		(28,614)		(85,703)
Consumer loans, net	$	153,315	$	31,593	$	104,510	$	289,418

Changes in the allowance for losses for the Company-owned loans and the liability for estimated losses on the Company's guarantees of third-party lender-owned loans during the three months ended March 31, 2013 and 2012were as follows (dollars in thousands):

	Three Months Ended March 31, 2013
	Short-term Loans		Line of Credit Accounts		Installment Loans		Total
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	45,982	$	11,107	$	28,614	$	85,703
Consumer loan loss provision		46,553		6,553		23,149		76,255
Charge-offs		(60,790)		(11,202)		(27,744)		(99,736)
Recoveries		10,825		1,606		3,014		15,445
Balance at end of period	$	42,570	$	8,064	$	27,033	$	77,667
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	2,934	$	-	$	564	$	3,498
Decrease in liability		(1,387)		-		(16)		(1,403)
Balance at end of period	$	1,547	$	-	$	548	$	2,095
	Three Months Ended March 31, 2012
	Short-term Loans		Line of Credit Accounts		Installment Loans		Total
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	46,406	$	3,723	$	12,943	$	63,072
Consumer loan loss provision		45,534		3,420		14,498		63,452
Charge-offs		(61,255)		(4,021)		(13,337)		(78,613)
Recoveries		9,222		396		1,184		10,802
Balance at end of period	$	39,907	$	3,518	$	15,288	$	58,713
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	2,617	$	-	$	445	$	3,062
Decrease in liability		(987)		-		(82)		(1,069)
Balance at end of period	$	1,630	$	-	$	363	$	1,993

Guarantees of Consumer Loans

In connection with its CSO programs, the Company guarantees consumer loan payment obligations to unrelated third-party lenders and is required to purchase any defaulted loans it has guaranteed. The guarantee represents an obligation to purchase specific loans that go into default. Short-term loans that are guaranteed generally have terms of less than 90 days. Secured auto equity loans, which are included in the Company's installment loan portfolio, that are guaranteed typically have an average term of less than 24 months, with available terms of up to 42 months. As of March 31, 2013 and 2012 and December 31, 2012, the amount of consumer loans guaranteed by the Company was $43.9million, $44.5 million, and $64.7 million, respectively, representing amounts due under consumer loans originated by third-party lenders under the CSO programs. The estimated fair value of the liability for estimated losses on consumer loans guaranteed by the Company of $2.1 million, $2.0 million and $3.5 million, as of March 31, 2013 and 2012 and December 31, 2012, respectively, is included in “Accounts payable and accrued expenses” in the accompanying consolidated balance sheets.

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Credit Quality Information On Pawn Loans

3 Months Ended

Mar. 31, 2013

Credit Quality Information On Pawn Loans [Abstract]

Credit Quality Information On Pawn Loans

3. Credit Quality Information on Pawn Loans

The Company manages its pawn loan portfolio by monitoring the type and adequacy of collateral compared to historical gross profit margins. If a pawn loan defaults, the Company relieson the disposition of pawned property to recover the principal amount of an unpaid pawn loan, plus a yield on the investment, because the Company's pawn loans are non-recourse against the customer. In addition, the customer's creditworthiness does not affect the Company's financial position or results of operations. Generally, forfeited merchandise has historically sold for an amount in excess of the cost of goods sold (which is the lower of cost, or the cost basis in the loan or amount paid for purchased merchandise, or fair value). Goods pledged to secure pawn loans are tangible personal property items such as jewelry, tools, televisions and other electronics, musical instruments and other miscellaneous items. A pawn loan is considered delinquent if the customer does not repay or, where allowed by law, renew or extend the loan on or prior to its contractual maturity date plus any applicable grace period. Pawn loan fees and service charges do not accrue on delinquent pawn loans. When a pawn loan is considered delinquent, any accrued pawn loan fees and service charges are reversed and no additional pawn loan fees and service charges are accrued. As of March 31, 2013 and 2012 and December 31, 2012, the Company had current pawn loans outstanding of $195.9 million, $202.6 million and $235.3 million, respectively, and delinquent pawn loans outstanding of $7.1 million, $3.7 million and $9.3 million, respectively.

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Reorganization Of Mexico-based Pawn Operations (Table)

3 Months Ended

Mar. 31, 2013

Restructuring And Related Activities [Abstract]

Schedule Of Restructuring And Related Costs [Table Text Block]

			For the Three Months Ended March 31, 2013
	Accrued Balance as of December 31, 2012		Charges		Cash Payments		Foreign currency changes		Accrued balance as of March 31, 2013
Lease termination costs	$	109	$	-	$	(106)	$	(3)	$	-
Total	$	109	$	-	$	(106)	$	(3)	$	-

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Voluntary Reimbursements to Ohio Customers

3 Months Ended

Mar. 31, 2013

Voluntary Reimbursements [Abstract]

Voluntary Reimbursements To Customers [Text Block]

11. Voluntary Reimbursements to Ohio Customers

On December 4, 2012, the Company announced a voluntary program to fully reimburse approximately 14,000 Ohio customers for all funds collected, plus interest accrued from the date collected, in connection with legal collections proceedings initiated by the Company in Ohio from January 1, 2008 through December 4, 2012. In 2012, the Company determined that a small number of employees did not prepare certain court documents in many of its Ohio legal collections proceedings in accordance with court rules. In connection with the reimbursement program, for all trial court collections proceedings filed by the Company in Ohio from January 1, 2008 through December 4, 2012, with the exception of one appellate matter, the Company is in the process of filing dismissals, terminating all existing post-judgment collections activities, and requesting to vacate each judgment entered and/or notifying credit reporting bureaus of the vacated judgments, as necessary, for each case.

As of December 31, 2012, the Company had accrued $13.4 million in “Accounts payable and accrued expenses” in the consolidated balance sheets, which represents the estimated cost of the reimbursement program and related expenses. The Company is working with a third party to accumulate reimbursement data, but, as of March 31, 2013, no reimbursement payments had yet been made. The accrual for these reimbursements was $13.4 million as of March 31, 2013.

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Earnings Per Share Computation

3 Months Ended

Mar. 31, 2013

Earnings Per Share Computation [Abstract]

Earnings Per Share Computation

7. Net Income Per Share

Basic net income per share is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted net income per share is calculated by giving effect to the potential dilution that could occur if securities or other contracts to issue common shares were exercised and converted into common shares during the period. Restricted stock units issued under the Company's stock-based employee compensation plans are included in diluted shares upon the granting of the awards even though the vesting of shares will occur over time. Performance-based awards are included in diluted shares based on the level of performance that management estimates is the most probable outcome at the grant date. Throughout the requisite service period, management monitors the probability of achievement of the performance condition and, if material, adjusts the number of shares included in diluted shares accordingly.

       The following table sets forth the reconciliation of numerators and denominators of basic and diluted net income per share computations for the three months endedMarch 31, 2013 and 2012 (dollars and shares in thousands, except per share amounts):

			Three Months Ended
			March 31,
			2013		2012
	Numerator:
	Net income attributable to Cash America International, Inc.	$	43,926	$	41,467
	Denominator:
	Total weighted average basic shares (a)		29,100		29,616
	Shares applicable to stock-based compensation(b)		144		297
	Convertible debt(c)		2,127		1,999
	Total weighted average diluted shares (d)		31,371		31,912
	Net income – basic	$	1.51	$	1.40
	Net income – diluted	$	1.40	$	1.30
(a)a	Includes vested and deferred restricted stock units of 310 and 279, as well as 31 and 32 shares held in the Company's nonqualified deferred compensation plan for the three months ended March 31, 2013 and 2012, respectively.
(b)	For the three months ended March 31, 2013, includes shares related to unvested restricted stock unit awards. For the three months ended March 31, 2012, includes shares related to outstanding option awards that are exercisable and shares related to unvested restricted stock unit awards.
(c)a a a	The shares issuable with respect to the Company's 2009 Convertible Notes due 2029 (the "2009 Convertible Notes") have been calculated using the treasury stock method. The Company intends to settle the principal portion of the convertible debt in cash; therefore, only the shares related to the conversion spread have been included in weighted average diluted shares.
(d)	There were 87 anti-dilutive shares for the three months ended March 31, 2013 and no anti-dilutive shares for the three months ended March 31, 2012.

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Merchandise Held For Disposition

3 Months Ended

Mar. 31, 2013

Inventory Disclosure Abstract

Merchandise Held For Disposition

5. Merchandise Held for Disposition

Merchandise held for disposition and the related allowance as of March 31, 2013 and 2012 and December 31, 2012 associated with the Company's domestic and foreign retail services operations were as follows (dollars in thousands):

	As of March 31,												As of December 31,
	2013						2012						2012
	Total		Allowance		Net		Total		Allowance		Net		Total		Allowance		Net
Domestic	$	141,507	$	(840)	$	140,667	$	128,906	$	(700)	$	128,206	$	162,495	$	(840)	$	161,655
Foreign		5,385		(11)		5,374		11,313		-		11,313		5,765		(11)		5,754
Total	$	146,892	$	(851)	$	146,041	$	140,219	$	(700)	$	139,519	$	168,260	$	(851)	$	167,409

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Long-Term Debt

3 Months Ended

Mar. 31, 2013

Long-Term Debt [Abstract]

Long-Term Debt

6. Long-Term Debt

The Company's long-term debt instruments and balances outstanding as of March 31, 2013 and 2012 and December 31, 2012 were as follows (dollars in thousands):

	Balance as of
	March 31,				December 31,
	2013		2012		2012
Domestic and multi-currency line of credit up to $380,000 ($100,000 matures May 2013, $280,000 matures March 2015)	$	179,321	$	156,113	$	301,011
6.12% senior unsecured notes due 2012		-		13,333		-
Variable rate senior unsecured notes due 2015		39,583		47,917		41,667
6.09% senior unsecured notes due 2016		28,000		35,000		28,000
7.26% senior unsecured notes due 2017		20,000		25,000		25,000
6.00% Series A senior unsecured notes due 2019		47,000		0		47,000
6.21% senior unsecured notes due 2021		20,455		22,727		20,455
6.58% Series B senior unsecured notes due 2022		5,000		0		5,000
5.25% convertible senior notes due 2029		111,024		107,818		110,197
Total debt	$	450,383	$	407,908	$	578,330
Less current portion		22,606		35,939		43,617
Total long-term debt	$	427,777	$	371,969	$	534,713

Domestic and Multi-Currency Line

The Company has a domestic and multi-currency line of creditthat consists of a $380.0 million line of credit, which includes the ability to borrow up to $50.0 million in specified foreign currencies or U.S. dollars (the “Domestic and Multi-currency Line”). The Domestic and Multi-currency Linewill decrease by $100.0 million to $280.0 million on the earlier of May 29, 2013 or the second business day following the closing of aninitial public offering of common stock of Enova International, Inc., a wholly-owned subsidiary of the Company (“Enova”),that results in Enova no longer being considered a majority-owned subsidiary of the Company.The remainder of the Domestic and Multi-currency Line matures on March 31, 2015. Interest on the Domestic and Multi-currency Line is charged, at the Company's option, at either the London Interbank Offered Rate (“LIBOR”) plus a margin varying from 2.00% to 3.25% or at the agent's base rate plus a margin varying from 0.50% to 1.75%. The margin for the Domestic and Multi-currency Line is dependent on the Company's cash flow leverage ratios as defined in the credit agreement entered into in connection with the Domestic and Multi-currency Line. The Company also pays a fee on the unused portion of the Domestic and Multi-currency Line ranging from 0.25% to 0.50% (0.38% as ofMarch 31, 2013) based on the Company's cash flow leverage ratios. The weighted average interest rate (including margin) on the Domestic and Multi-currency Line was 3.04%, 3.03% and 3.06%as of March 31, 2013 and 2012 and December 31, 2012, respectively.

As ofMarch 31, 2013, borrowings under the Company's Domestic and Multi-currency Line consisted of threepricing tranches with maturity dates ranging from two to 30days, and as ofMarch 31, 2012, borrowings under the Company's Domestic and Multi-currency Line consisted of fourpricing tranches with maturity dates ranging from three to 31days.However, the Company routinely refinances borrowings pursuant to the terms of its Domestic and Multi-currency Line. Therefore, these borrowings are reported as part of the applicable line of credit and as long-term debt.

Variable Rate Senior Unsecured Notes

When the Company entered into its Domestic and Multi-currency Line, it also entered into a $50.0 million term loan facility (the “2015 Variable Rate Notes”). Beginning March 31, 2012, the2015 Variable Rate Notesbecame payable in equal quarterly principal installments of $2.1 million with any outstanding principal remaining due at maturity on March 31, 2015. Interest on the 2015 Variable Rate Notes is charged, at the Company's option, at either LIBOR plus a margin of 3.50% or at the agent's base rate plus a margin of 2.00%. The weighted average interest rate (including margin) on the 2015 Variable Rate Notes was 3.75%, 3.75% and 3.75% as of March 31,2013 and 2012 and December 31, 2012, respectively.

Other

When the Company entered into its Domestic and Multi-currency Line, it also entered into a separate credit agreement for the issuance of up to $20.0 million in letters of credit (the “Letter of Credit Facility”). The Company had standby letters of credit of $16.3million under its Letter of Credit Facility as ofMarch 31, 2013.

The Company's debtagreements for its Domestic and Multi-currency Line and itssenior unsecured notes require the Company to maintain certain financial ratios. As of March 31,2013, the Company was in compliance with all covenants or other requirements set forth in its debt agreements.

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Income Taxes

3 Months Ended

Mar. 31, 2013

Income Taxes [Abstract]

Income Tax Disclosure [Text Block]

8. Income Taxes

During 2012, the Company's Mexico-based pawn operations that operated under the name Prenda Fácil were owned by Creazione Estilo, S.A. de C.V., a Mexican sociedad anónima de capital variable (“Creazione”). In January 2013, the Company's Mexico-based pawn operations were sold by Creazione to another wholly-owned subsidiary of the Company, CA Empeños Mexico, S. de R.L. de C.V., and began operating exclusively under the name “Cash America casa de empeño.” The Company intends to liquidate the remaining assets of Creazione, which are insignificant, during 2013. In connection with the final liquidation of Creazione, the Company intends to claim a worthless stock deduction for tax purposes on its 2013 federal income tax return for its tax basis in the stock of Creazione. The Company could realize an income tax benefit of $33.4 million as a result of the worthless stock deduction. The Company intends to treat the deduction as an ordinary loss. However, the Internal Revenue Service(“IRS”) could challenge the characterization of the loss. If the deduction is ultimately determined to be a capital loss, the tax benefit may not be realized. As of December 31, 2012, the Company had recorded an income tax benefit of $9.3 million and an offsetting valuation allowance associated with the Company's excess tax basis over its basis for financial purposes in the stock of Creazione. During the three months ended March 31, 2013, the Company recorded an additional income tax benefit of $24.1 million associated with its remaining tax basis in the stock of Creazione. In addition, the Company released the valuation allowance recorded in 2012 of $9.3 million and recorded a $33.4 million liability for uncertain tax benefits. As a result, there was no impact on the income tax provision for the three months ended March 31, 2013 related to the potential benefit for the Creazione worthless stock deduction.

The balance of the Company's liability for unrecognized tax benefits as of March 31, 2013 was $35.3 million. The Company believes that it is reasonably possible that the entire amount of its unrecognized tax benefits will be recognized in 2013. The unrecognized tax benefit associated with the Creazione worthless stock deduction could be recognized in 2013 if the Company receives a favorable ruling on this matter. In addition, the Company's unrecognized tax benefits associated with the pre-acquisition tax matters of Prenda Fácil could be recognized as a result of the lapse of the statute of limitations.

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Consumer Loans, Credit Quality Information And Allowances And Liabilities For Estimated Losses On Consumer Loans (Narrative) (Details) (USD $) In Millions, unless otherwise specified	3 Months Ended
	Mar. 31, 2013 D	Dec. 31, 2012	Mar. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrual for losses on consumer loan guaranty obligations	$ 2.1	$ 3.5	$ 2.0
Active consumer loans owned by third-party lenders	$ 43.9	$ 64.7	$ 44.5
Days for delinquent loans to be charged off	60
Minimum [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Delinquent loans expiry period (in days)	1
Maximum [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Delinquent loans expiry period (in days)	59
Short Term Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Guaranteed Loans Term Available	90
Secured Auto Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Guaranteed Loans Term Average	24
Guaranteed Loans Term Available	42

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Derivative Instruments

3 Months Ended

Mar. 31, 2013

Derivative Instruments [Abstract]

Derivative Instruments

13. Derivative Instruments

The Company periodically uses derivative instruments to manage risk from changes in market conditions that may affect the Company's financial performance. The Company primarily uses derivative instruments to manage its primary market risks, which are interest rate risk and foreign currency exchange rate risk.

The Company uses forward currency exchange contracts to hedge foreign currency risk in the United Kingdom andAustralia.The Company's forward currency exchange contracts are non-designated derivatives. Any gain or loss resulting from these contracts is recorded as income or loss and is included in “Foreign currency transactiongain (loss)” in the Company's consolidated statements of income.

The Company's derivative instruments are presented in its financial statements on a net basis. The following table presents information related to the Company's derivative instruments as of March 31, 2013 and 2012 and December 31, 2012were as follows (dollars in thousands):

Assets	As of March 31, 2013
Non-designated derivatives:		Notional Amount		Gross Amounts of Recognized Assets	Gross Amounts Offset in the Consolidated Balance Sheet(a)		Net Amounts of Assets Presented in the Consolidated Balance Sheet(b)
Forward currency exchange contracts	$	86,456	$	-	$	(407)	$	(407)
Assets	As of March 31, 2012
Non-designated derivatives:		Notional Amount		Gross Amounts of Recognized Assets	Gross Amounts Offset in the Consolidated Balance Sheet(a)		Net Amounts of Assets Presented in the Consolidated Balance Sheet(b)
Forward currency exchange contracts	$	76,671	$	-	$	(396)	$	(396)
Assets	As of December 31, 2012
Non-designated derivatives:		Notional Amount		Gross Amounts of Recognized Assets	Gross Amounts Offset in the Consolidated Balance Sheet(a)		Net Amounts of Assets Presented in the Consolidated Balance Sheet(b)
Forward currency exchange contracts	$	93,813	$	-	$	(406)	$	(406)

Represents the fair value of forward currency exchange contracts, which is recorded in “Prepaid expenses and other assets” in the consolidated balance sheets.

(a)

(b)

As of March 31, 2013, the Company had no gross amounts of recognized derivative instruments that the Company makes an accounting policy election not to offset. In addition, there is no financial collateral related to the Company's derivatives. The Company has no liabilities that are subject to an enforceable master netting agreement or similar arrangement.

The following table presents information on the effect of derivative instruments on the consolidated results of operations and the Other Comprehensive Income (“OCI”) for the three months endedMarch 31, 2013 and 2012 (dollars in thousands):

		Gains (Losses) Recognized in Income				Gains Recognized in OCI				Gains (Losses) Reclassified From OCI into Income
		Three Months Ended				Three Months Ended				Three Months Ended
		March 31,				March 31,				March 31,
		2013		2012		2013		2012		2013		2012
Derivatives designated as hedges:
Interest rate contracts	$	-	$	-	$	-	$	12	$	-	$	-
Total	$	-	$	-	$	-	$	12	$	-	$	-
Non-designated derivatives:
Forward currency exchange contracts(a)	$	5,317	$	(2,910)	$	-	$	-	$	-	$	-
Total	$	5,317	$	(2,910)	$	-	$	-	$	-	$	-

(a)

The gains/(losses) on these derivatives substantially offset the (losses)/gains on the hedged portion of foreign intercompany balances.

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Long-Term Debt (Tables)

3 Months Ended

Mar. 31, 2013

Long-Term Debt [Abstract]

Schedule Of Long-Term Debt

	Balance as of
	March 31,				December 31,
	2013		2012		2012
Domestic and multi-currency line of credit up to $380,000 ($100,000 matures May 2013, $280,000 matures March 2015)	$	179,321	$	156,113	$	301,011
6.12% senior unsecured notes due 2012		-		13,333		-
Variable rate senior unsecured notes due 2015		39,583		47,917		41,667
6.09% senior unsecured notes due 2016		28,000		35,000		28,000
7.26% senior unsecured notes due 2017		20,000		25,000		25,000
6.00% Series A senior unsecured notes due 2019		47,000		0		47,000
6.21% senior unsecured notes due 2021		20,455		22,727		20,455
6.58% Series B senior unsecured notes due 2022		5,000		0		5,000
5.25% convertible senior notes due 2029		111,024		107,818		110,197
Total debt	$	450,383	$	407,908	$	578,330
Less current portion		22,606		35,939		43,617
Total long-term debt	$	427,777	$	371,969	$	534,713

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Derivative Instruments (Effect Of Derivative Instruments) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2013		Mar. 31, 2012
Derivatives Designated As Hedges [Member]
Derivative [Line Items]
Gains (Losses) Recognized in Income	$ 0		$ 0
Gains Recognized in OCI	0		12
Gains (Losses) Reclassified From OCI into Income	0		0
Non-Designated Derivatives [Member]
Derivative [Line Items]
Gains (Losses) Recognized in Income	5,317		(2,910)
Gains Recognized in OCI	0		0
Gains (Losses) Reclassified From OCI into Income	0		0
Interest Rate Contracts [Member] | Derivatives Designated As Hedges [Member]
Derivative [Line Items]
Gains (Losses) Recognized in Income	0		0
Gains Recognized in OCI	0		12
Gains (Losses) Reclassified From OCI into Income	0		0
Forward Currency Exchange Contracts [Member] | Non-Designated Derivatives [Member]
Derivative [Line Items]
Gains (Losses) Recognized in Income	5,317	[1]	(2,910)	[1]
Gains Recognized in OCI	0	[1]	0	[1]
Gains (Losses) Reclassified From OCI into Income	$ 0	[1]	$ 0	[1]

[1] The gains/(losses) on these derivatives substantially offset the (losses)/gains on the hedged portion of foreign intercompany balances.

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Earnings Per Share Computation (Reconciliation Of Numerators And Denominators For Basic And Diluted Earnings Per Share) (Details) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013		Mar. 31, 2012
Earnings Per Share Computation [Abstract]
Net income attributable to Cash America International, Inc.	$ 43,926		$ 41,467
Total weighted average basic shares	29,100,000		29,616,000
Shares applicable to stock-based compensation	144,000	[1]	297,000	[1]
Convertible debt	2,127,000	[2]	1,999,000	[2]
Total weighted average diluted shares	31,371,000		31,912,000
Net income - basic	$ 1.51	[3]	$ 1.40	[3]
Net income - diluted	$ 1.40	[4]	$ 1.30	[4]
Vested restricted stock units, in shares	310		279
Non-qualified savings plan, in shares	31		32
Anti-dilutive shares	87		0

[1] For the three months ended March 31, 2013, includes shares related to unvested restricted stock unit awards. For the three months ended March 31, 2012, includes shares related to outstanding option awards that are exercisable and shares related to unvested restricted stock unit awards.

[2] The shares issuable with respect to the Company's 2009 Convertible Notes due 2029 (the "2009 Convertible Notes") have been calculated using the treasury stock method. The Company intends to settle the principal portion of the convertible debt in cash; therefore, only the shares related to the conversion spread have been included in weighted average diluted shares.

[3] Includes vested and deferred restricted stock units of 310 and 279, as well as 31 and 32 shares held in the Company's nonqualified deferred compensation plan for the three months ended March 31, 2013 and 2012, respectively.

[4] There were 87 anti-dilutive shares for the three months ended March 31, 2013 and no anti-dilutive shares for the three months ended March 31, 2012.

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Consolidated Statements of Comprehensive Income (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2013		Mar. 31, 2012
Net Income Loss [Abstract]
Net income	$ 43,922		$ 40,523
Other comprehensive gain (loss), net of tax:
Unrealized derivatives gain	0	[1]	12	[1]
Foreign currency translation gain (loss)	434	[2]	9,615	[2]
Marketable Securities Unrealized gain (loss), Net of Tax	641	[3]	750	[3]
Total other comprehensive (Loss) gain,net of Tax	1,075		10,377
Comprehensive income	44,997		50,900
Net loss attributable to the noncontrolling interest	4		944
Foreign currency translation gain, net of tax, attributable to the noncontrolling interest	(1)		(21)
Total Comprehensive income attributable to the noncontrolling interest	3		923
Comprehensive Income attributable to Cash America International, Inc.	$ 45,000		$ 51,823

[1] Net of tax benefit (provision) of $(6) for the three months ended March 31, 2012.

[2] Net of tax benefit (provision) of $1,420 and $(1,105) for the three months ended March 31, 2013 and 2012, respectively.

[3] Net of tax benefit (provision) of $(345) and $(403) for the three months ended March 31, 2013 and 2012, respectively.

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Reorganization of Mexico-based Pawn Operations

3 Months Ended

Mar. 31, 2013

Restructuring And Related Activities [Abstract]

Reorganization of Mexico-based Pawn Operations [Text Block]

2. Reorganization of Mexico-based Pawn Operations

On September 24, 2012, the Company's Board of Directors approved a plan to significantly modify the business plan and strategy of the Company's Mexico-based pawn operations, which comprise the foreign component of its retail services segment. The Company reorganized these operations to include only full-service pawn locations that offer pawn loans based on the pledge of general merchandise and jewelry-based collateral and the net closure of 148 of its Mexico-based pawn locations that primarily offered pawn loans based on the pledge of jewelry-based collateral (the “Mexico Reorganization”). The Mexico Reorganization was substantially completed as of December 31, 2012. As of March 31, 2013, the Company was operating 47 full-service pawn locations in Mexico. The Mexico Reorganization reflects management's decision to modify its strategy in Mexico to achieve profitability in its Mexico-based pawn operations and to evaluate the potential to expand its services to customers in Latin American markets.

The following table summarizes the balance of accrued exit costs related to the Mexico Reorganization and the changes in the accrued expenses as of and for the three months ended March 31, 2013 (dollars in thousands):

			For the Three Months Ended March 31, 2013
	Accrued Balance as of December 31, 2012		Charges		Cash Payments		Foreign currency changes		Accrued balance as of March 31, 2013
Lease termination costs	$	109	$	-	$	(106)	$	(3)	$	-
Total	$	109	$	-	$	(106)	$	(3)	$	-

The accrued reorganization charges were included in “Accounts payable and accrued liabilities” in the Company's consolidated balance sheets as of December 31, 2012.

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Earnings Per Share Computation (Tables)

3 Months Ended

Mar. 31, 2013

Earnings Per Share Computation [Abstract]

Reconciliation Of Numerators And Denominators For Basic And Diluted Earnings Per Share

			Three Months Ended
			March 31,
			2013		2012
	Numerator:
	Net income attributable to Cash America International, Inc.	$	43,926	$	41,467
	Denominator:
	Total weighted average basic shares (a)		29,100		29,616
	Shares applicable to stock-based compensation(b)		144		297
	Convertible debt(c)		2,127		1,999
	Total weighted average diluted shares (d)		31,371		31,912
	Net income – basic	$	1.51	$	1.40
	Net income – diluted	$	1.40	$	1.30
(a)a	Includes vested and deferred restricted stock units of 310 and 279, as well as 31 and 32 shares held in the Company's nonqualified deferred compensation plan for the three months ended March 31, 2013 and 2012, respectively.
(b)	For the three months ended March 31, 2013, includes shares related to unvested restricted stock unit awards. For the three months ended March 31, 2012, includes shares related to outstanding option awards that are exercisable and shares related to unvested restricted stock unit awards.
(c)a a a	The shares issuable with respect to the Company's 2009 Convertible Notes due 2029 (the "2009 Convertible Notes") have been calculated using the treasury stock method. The Company intends to settle the principal portion of the convertible debt in cash; therefore, only the shares related to the conversion spread have been included in weighted average diluted shares.
(d)	There were 87 anti-dilutive shares for the three months ended March 31, 2013 and no anti-dilutive shares for the three months ended March 31, 2012.

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Merchandise Held For Disposition (Details) (USD $) In Thousands, unless otherwise specified	Mar. 31, 2013	Dec. 31, 2012	Mar. 31, 2012
Merchandise Held For Disposition [Line Items]
Merchandise held for disposition, gross	$ 146,892	$ 168,260	$ 140,219
Allowance	(851)	(851)	(700)
Merchandise held for disposition, Net, Total	146,041	167,409	139,519
Domestic Retail Services Operations [Member]
Merchandise Held For Disposition [Line Items]
Merchandise held for disposition, gross	141,507	162,495	128,906
Allowance	(840)	(840)	(700)
Merchandise held for disposition, Net, Total	140,667	161,655	128,206
Foreign Retail Services Operations [Member]
Merchandise Held For Disposition [Line Items]
Merchandise held for disposition, gross	5,385	5,765	11,313
Allowance	(11)	(11)	0
Merchandise held for disposition, Net, Total	$ 5,374	$ 5,754	$ 11,313

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Fair Value Measurements

3 Months Ended

Mar. 31, 2013

Fair Value Measurements [Abstract]

Fair Value Measurements

12. Fair Value Measurements

Recurring Fair Value Measurements

In accordance with ASC 820-10, Fair Value Measurements and Disclosures(“ASC 820-10”),certain of the Company's assets and liabilities, which are carried at fair value,are classified in one of the following three categories:

Level 1: Quoted market prices in active markets for identical assets or liabilities.

Level 2: Observable market-based inputs or unobservable inputs that are corroborated by market data.

Level 3: Unobservable inputs that are not corroborated by market data.

The Company's financial assets and liabilities that are measured at fair value on a recurring basis as of March 31, 2013and 2012 and December 31, 2012are as follows (dollars in thousands):

		March 31,		Fair Value Measurements Using
		2013		Level 1		Level 2		Level 3
	Financial assets (liabilities):
	Forward currency exchange contracts	$	(407)	$	-	$	(407)	$	-
	Nonqualified savings plan assets (a)		13,116		13,116		-		-
	Marketable securities(b)		7,028		7,028		-		-
	Total	$	19,737	$	20,144	$	(407)	$	-
		March 31,		Fair Value Measurements Using
		2012		Level 1		Level 2		Level 3
	Financial assets (liabilities):
	Forward currency exchange contracts	$	(396)	$	-	$	(396)	$	-
	Nonqualified savings plan assets (a)		10,336		10,336		-		-
	Marketable securities(b)		5,565		5,565		-		-
	Total	$	15,505	$	15,901	$	(396)	$	-
		December 31,		Fair Value Measurements Using
		2012		Level 1		Level 2		Level 3
	Financial assets (liabilities):
	Forward currency exchange contracts	$	(406)	$	-	$	(406)	$	-
	Nonqualified savings plan assets (a)		11,347		11,347		-		-
	Marketable securities(b)		6,042		6,042		-		-
	Total	$	16,983	$	17,389	$	(406)	$	-
(a)a	The nonqualified savings plan assets have an offsetting liability of equal amount, which is included in "Accounts payable and accrued expenses" in the Company's consolidated balance sheets.
(b)a a	Cumulative unrealized total gains/(losses), net of tax, on these equity securities of $0.9 million, ($0.1) million and $0.3 million as of March 31, 2013 and 2012, and December 31, 2012, respectively, are recorded in "Accumulated other comprehensive income (loss)" in the Company's consolidated statements of equity.

The Company measures the fair value of its forward currency exchange contracts under Level 2 inputs as defined by ASC 820-10. For these forward currency exchange contracts, standard valuation models are used to determine fair value. The significant inputs used in these models are derived from observable market transactions. During the three months ended March 31, 2013 and 2012, there were no transfers of assets in or out of Level1 or Level 2 fair value measurements.

Financial Assets and Liabilities Not Measured at Fair Value

The Company's financial assets and liabilities as of March 31, 2013 and 2012 and December 31, 2012 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands):

	Carrying Value		Estimated Fair Value
	March 31,		March 31,		Fair Value Measurement Using
	2013		2013		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	78,361	$	78,361	$	78,361	$	-	$	-
Pawn loans		202,982		202,982		-		-		202,982
Consumer loans, net		253,801		253,801		-		-		253,801
Pawn loan fees and service charges receivable		40,560		40,560		-		-		40,560
Total	$	575,704	$	575,704	$	78,361	$	-	$	497,343
Financial liabilities:
Domestic and Multi-currency Line of credit	$	179,321	$	183,898	$	-	$	183,898	$	-
Senior unsecured notes		160,038		164,012		-		164,012		-
2009 Convertible Notes		111,024		239,775		-		239,775		-
Total	$	450,383	$	587,685	$	-	$	587,685	$	-
	Carrying Value		Estimated Fair Value
	March 31,		March 31,		Fair Value Measurement Using
	2012		2012		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	63,606	$	63,606	$	63,606	$	-	$	-
Pawn loans		206,343		206,343		-		-		206,343
Consumer loans, net		200,365		200,365		-		-		200,365
Pawn loan fees and service charges receivable		38,797		38,797		-		-		38,797
Total	$	509,111	$	509,111	$	63,606	$	-	$	445,505
Financial liabilities:
Domestic and Multi-currency Line of credit	$	156,113	$	162,053	$	-	$	162,053	$	-
Senior unsecured notes		143,977		142,501		-		142,501		-
2009 Convertible Notes		107,818		225,544		-		225,544		-
Total	$	407,908	$	530,098	$	-	$	530,098	$	-
	Carrying Value		Estimated Fair Value
	December 31,		December 31,		Fair Value Measurement Using
	2012		2012		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	63,134	$	63,134	$	63,134	$	-	$	-
Pawn loans		244,640		244,640		-		-		244,640
Consumer loans, net		289,418		289,418		-		-		289,418
Pawn loan fees and service charges receivable		48,991		48,991		-		-		48,991
Total	$	646,183	$	646,183	$	63,134	$	-	$	583,049
Financial liabilities:
Domestic and Multi-currency Line of credit	$	301,011	$	309,969	$	-	$	309,969	$	-
Senior unsecured notes		167,122		165,961		-		165,961		-
2009 Convertible Notes		110,197		186,300		-		186,300		-
Total	$	578,330	$	662,230	$	-	$	662,230	$	-

Cash and cash equivalents bear interest at market rates and have maturities of less than 90 days.

Pawn loans generally have maturity periods of less than 90 days. If a pawn loan defaults, the Company disposes of the collateral. Historically, collateral has sold for an amount in excess of the principal amount of the loan.

Consumer loans are carried in the consolidated balance sheet net of the allowance for estimated loan losses, which is calculated by applying historical loss rates combined with recent default trends to the gross consumer loan balance. The unobservable inputs used to calculate the carrying value of consumer loans include historical loss rates and recent default trends. Consumer loans have relatively short maturity periods that are generally 12 months or less.

Pawn loan fees and service charges receivable are accrued ratably over the term of the loan based on the portion of these pawn loans deemed collectible. The Company uses historical performance data to determine collectability of pawn loan fees and service charges receivable. Additionally, pawn loan fee and service charge rates are determined by regulations and bear no valuation relationship to the capital markets' interest rate movements.

The Company measures the fair value of long-term debt instruments using Level 2 inputs. The fair values of the Company's long-term debt instruments are estimated based on market values for debt issues with similar characteristics or rates currently available for debt with similar terms. As of March 31, 2013, the Company's Domestic and Multi-currency Line of credit and the Company's senior unsecured notes have a higher fair market value than the carrying value due to the difference in yield when compared to recent issuances of similar types of credit and similar senior unsecured notes. As of March 31, 2013, the 2009 Convertible Notes have ahigher fair value than carrying value due to the Company's stock price as of March 31, 2013 exceeding the applicable conversion price for the 2009 Convertible Notes, thereby increasing the value of the instrument for noteholders.